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Variable annuities


A variable annuity is a unit linked product which offers potentially high yields and guarantees. This allows having a secured investment. There are several types of guarantees such as Guaranteed Minimum Death Benefit, Guaranteed Minimum Accumulation Benefit, Guaranteed Minimum Income Benefit and Guaranteed Minimum Withdrawal Benefit.

Variables annuities may be considered as alternatives to other life insurance contracts. Widespread in the US and in Japan, similar products are also being launched in continental Europe.


Using variable annuities requires a deep knowledge of the derivative capital market, prudent financial risk management and skills in all the processes involved in a hedging program.

Deloitte services offering

Deloitte can help to:

  • Make market analysis,
  • Design, market and sale products,
  • Assess and manage risks linked to variable annuities and define a risk management framework.


  • Thierry Flamand
    Partner - Insurance Leader



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