Product modificationsThe low interest environment also is spurring annuity carriers to modify existing products, Pedersen said.(The 10 year bond rate, a key benchmark that insurers use for interest crediting and setting reserves, has been hovering at or slightly under 2 percent for the past 10 months and slightly above 2 percent for the 10 months prior to that.)In such an environment, it is difficult for carriers in the indexed annuity market to provide compelling crediting strategies and caps as well as living benefit guarantees, she pointed out.If rates go up a bit from where they have been, that will give carriers little more to play with in terms of product development, she said. But any increase in the 10 year rate, if it occurs, is likely to be modest, so she believes that the industry is not going to see a lot of new features or products in indexed annuities in 2013.Instead, carriers will devote resources to developing product modifications than enhance customer value, she said.Much of the focus on will be on policy guarantees, she predicted, pointing in particular the popular annuity riders that offer guaranteed lifetime withdrawal benefits and guaranteed death benefits.At the beginning of the year, there was a little pullback on offering guarantees, she noted. But some companies were changing the riders or repositioning where their products would perform best.
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