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Morningstar® Annuity Intelligence
Simplified variable annuity analysis.
Overview
Annuity Research Center
VA Expense Analyzer
VA Expense Analyzer
Variable Annuity Expense Analyzer, an optional add-on to Morningstar® Annuity Intelligence, helps streamline the compliance and sales disclosure process. Advisors can use this tool to conduct suitability and cost analyses that help determine appropriate variable annuities for their clients. Variable Annuity Expense Analyzer allows advisors to deliver a report that clearly outlines the costs associated with an annuity product. For annuity exchanges, it identifies the results of changing accounts and how long it would take to recover a surrender charge.
What you can do:
Enhance the sales process
Make recommendations backed by financial data
Inform investment recommendations by collecting client data
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Expense Analyzer standardizes and documents the recommendation process, whether an advisor is selling a new annuity or suggesting an annuity exchange. Advisors enter relevant information about the investor and the purchase to create personalized reports. Reports feature a disclosure of the fees and benefits associated with the proposal, a comprehensive contract overview, and a client sign-off page. Advisors can make better-informed product recommendations because client data is integrated throughout the process.
Comply with industry regulations
Tools to help meet SEC, FINRA, and MSRB regulations
Analyze the necessary information for a new purchase or 1035 exchange
Improve transparency through disclosures to clients
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Designed with FINRA Rule 2330 in mind, Variable Annuity Expense Analyzer helps advisors fully communicate an annuity’s features to clients, while exploring whether an annuity is suitable based on key client characteristics. Fee disclosure reports clearly outline the costs of a new purchase or exchange, which is a trade of one variable annuity product for another.
Calculate and communicate variable annuity costs
Determine how much a contract’s benefits and subaccounts will cost
Help investors find the lowest-cost solution
Produce fee disclosure reports to share with investors
Morningstar<span class="registered">&#174;</span> Annuity Intelligence<img src="../images/SM_12p_black.gif" />
Expense Analyzer offers a benefits calculator to help advisors identify the full costs of a variable annuity. The results of their cost analyses appear in the Fees You Pay report, a detailed disclosure of a contract’s expenses.
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