Registered index-linked annuities (RILAs) offer a bright spot for those who are seeking the upside of the markets while keeping the safety of an anniuty, Registered index-linked annuities (RILAs) are exhibiting robust growth in 2020 and will continue in 2021 as additional large, reputable insurers enter the space with innovative annuity products which are designed to help those approaching retirement or simply wanting the safety of an annuity to avoid the ups and downs of variable annuity products. 

Registered Indexed Linked Annuities offer you the client participation in the returns of mainstream market indices, while protecting the you on the downside. Somewhat similar to a guaranteed living benefit (GLB) rider. Many insurers are beginning to develop RILAs and plan to deemphasize their traditional variable annuities that are more difficult to hedge.