GLBSGreat Lakes Business Solutions Inc. (now Wise Solutions, Inc.)
GLBSGreat Lakes Betta Society
GLBSGreat Lakes Business Systems
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Mercedes has revealed its latest SUV - the new GLB. Designed to slot in between the GLA and larger GLC in the company's SUV line-up, the GLB sits on the same platform as the A-Class, B-Class and CLA but has its wheelbase extended to provide better interior space.
Others players among the 60-plus FIA product manufacturers also are revamping the FIA's various moving parts -- indexing method and index term, participation rate, margin/administrative fee, cap rate, floor, interest crediting method, vesting and GLBs -- to boost the product's growth and retirement income potential.
GLBs and GHBs are more suitable for describing rectangular and circular apertures, respectively.
"It's still very much a guaranteed income story." However, as much as the guaranteed living benefit (GLB) story may still resonate with VA buyers, the bulk of today's optional income and withdrawal guarantees come with higher fees, tighter investment restrictions and greater complexity relative to the GLB riders of years past, factors that appear to be curbing GLB sales.
Stan "The Annuity Man" Haithcock, an independent producer and annuity commentator, believes one possible reason variable annuities with GLBs post sales that exceed deferred annuities is because of the higher commissions producers earn by selling GLBs.
18), meaning that it has moved away from objections based on biblical scripture and morality to more abstract concerns (e.g., GLBs make unreasonable demands for change, discrimination is now historical).
The favorable developments for FIAs come, observers say, at a time when interest in variable annuities is waning, both among consumers whose VAs were pummeled during the credit crisis of 2007-2009; and among VA manufacturers that have found supporting the products' GLBs overly challenging under current market conditions.
Though they don't match the VA's potential for market gains, FIAs outclass VAs in two key respects, both of which hinge of the products' superior GLBs: (1) product flexibility; and (2) the ability to assure an income stream that can sustain clients throughout their retirement years.
* Globus Maritime (NASDAQ: GLBS) stock drifted down 1.55% on Wednesday morning to hit a new 52-week low of $1.89.
Others that continue to offer the products have scaled back once-generous guaranteed living benefits or are charging more for their GLBs.
* Globus Maritime (NASDAQ: GLBS) stock drifted down 6.6% on Monday morning to hit a new 52-week low of $2.00.