The annuity market has experienced changes recently, as some insurers have limited their offerings or exited the market while others have increased their annuity offerings, write Christopher Raham and Gerry Murtagh, both of Ernst & Young. As the variable-annuity landscape changes, opportunities are still present for insurers and advisers who are able to adapt, Raham and Murtagh write. Variable- and fixed-annuity hybrids could provide attractive choices for producers and consumers, they write.

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