Anyone have a link or a list of companies that RIAs can use for VAs?

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No link or list, but I am using JN for exchanges in old shitty VA's. I don't put any new money into them though, as they have no riders or benefits. I use them for people that were mis-sold VA's and don't need them, but might have a low basis. I just moved 120K from a Hartford VA that has a 85K basis and has been owned since 96.

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I don't have a list, but off the top of my head I believe Pacific Life and Prudential have VAs for RIAs.

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Generally, but it depends. The bigger consideration is whether or not the client really needs the annuity. If they never plan on taking out income, then the income base is irrelevant. I would rather focus on growing the contract. If the income base is fantastic (like if it was sold prior to 2008, but within 5-7 years or so) then we would leave it alone. Each case is individual.

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So, only moving contracts where the contract value is higher than the income base?

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Lincoln and Jackson both have annuity contracts specifically for RIAs. All the extra fees are stripped out.

The VAs for RIAs are pretty terrible compared to the brokerage side. From what I’ve seen they are stripped of fees and features. Essentially a tax deferral only vehicle with poor riders.

Vanguard has a VA that is really hard to beat. They also have an income rider underwritten by Transamerica that is a good deal as well. TIAA has a decent product, JeffNat was good but is gradually inching up in costs when you trade. Most others are poorly designed RIA products by insurance companies with high fees

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