Annuities in a high-rate environment: product design and distribution strategy

Wednesday, September 30, 2026
Life, Benefits, and Annuities Program

Higher interest rates have reshaped annuity demand and product design. This panel explores how carriers are adjusting crediting strategies, hedging, product features, and advisor education to capture market opportunity. How are digital illustration tools influencing sales? What operational challenges come with increased volume? And how are carriers balancing growth with capital requirements? The focus is product and distribution execution in annuities.

Session Moderator
Laurel Jordan
Laurel Jordan, Senior Principal - Datos Insights
Speakers
Ashwin Nair
Ashwin Nair, Senior Manager, Engineering - American Family Insurance