Library
Resource Library
Curated references from regulatory, government, academic, and industry sources.
Inclusion of a resource does not constitute endorsement. These links are provided for informational purposes. This site has no affiliation with any of the organizations listed. External links open in a new tab.
Regulatory & Government
The NAIC committee responsible for life insurance and annuity regulation, including CDAs. The committee has published a CDA Guidance Document covering product classification, disclosure, and suitability requirements.
The NAIC's official guidance document on contingent deferred annuities, published by the Life Insurance and Annuities (A) Committee. Covers regulatory classification, disclosure standards, and suitability considerations.
Search for insurer complaint data, financial information, and licensing status. Useful for evaluating the insurer behind a CDA product.
IRS guidance on the tax treatment of pension and annuity income, including how annuity payments are taxed. Relevant to understanding the tax treatment of CDA guarantee payments.
IRS guidance on the general rule for determining the taxable portion of annuity payments. Relevant for CDAs where the tax treatment of guarantee payments may be complex.
The SEC's investor education resource on annuities, including variable annuities and fixed indexed annuities. Provides plain-English explanations and links to regulatory resources.
The National Organization of Life & Health Insurance Guaranty Associations. Provides information on state guaranty association coverage and links to individual state associations.
Investor Education
FINRA's investor education resources on annuities, including variable annuities, fixed annuities, and income riders. Includes tools for evaluating annuity costs and features.
Verify the registration and disciplinary history of broker-dealers and registered representatives. Use to check the background of any advisor recommending a CDA.
Verify the registration and disciplinary history of registered investment advisers and their representatives.
CFPB consumer education resources on annuities and retirement income products.
Industry & Academic Research
The SOA's retirement research program covers retirement income, longevity risk, annuity products, and related topics. Includes academic papers, surveys, and reports.
LIMRA (Life Insurance Marketing and Research Association) publishes research on annuity market trends, consumer behavior, and product development.
IRI is a trade association for the retirement income industry. Publishes research on retirement income products, consumer trends, and regulatory developments.
Research and educational resources on retirement income planning, including annuities, guaranteed income, and longevity risk management.
Retirement Income Planning
Official SSA resources on Social Security retirement benefits, including benefit calculators and claiming strategies. Social Security is a key component of retirement income planning alongside CDAs.
AARP's retirement planning resources, including information on annuities, Social Security, and retirement income strategies.
NEFE is a nonprofit organization providing financial education resources, including retirement planning tools and guides.
AM Best provides financial strength ratings for insurance companies. Use to evaluate the claims-paying ability of the insurer behind a CDA product.
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