Re: Definition of the Term “Fiduciary”; Conflict of Interest Rule — Retirement Investment Advice (RIN 1210-AB32)

Annuities are unique among all financial instruments because they provide a guaranteed income for life – easing the anxiety virtually all seniors experience for -“outliving their money.” Americans for Annuity Protection defends the rights of Americans to maintain their financial independence and represents all Americans who already own an annuity or would benefit from owning an annuity.

Impact of The DOL’s Fiduciary Proposal on Sales of Insurance Products

This article explains the basis for our conclusions about the impact of the Department of Labor (DOL) proposal to amend the fiduciary investment advice regulation and the prohibited transaction (PT) exemptions for sales of insurance products to plans, participants and IRAs.