Pension Risk Transfer Solutions

Group annuities are a proven and effective risk management solution that meet the needs of both plan sponsors and plan participants. American National’s annuity solutions expertise helps plan sponsors eliminate pension risk while securing participant benefits.

Why De-Risk
 

Fund Management Complexities

Defined benefit (DB) plan sponsors are committed to keeping the pension promise. However, in today's increasingly more complex and risky environment, meeting that obligation is a growing challenge for companies that also have to focus on staying competitive and creating shareholder value. Many simply cannot develop or devote the specialized expertise—and often the increased capital—needed to adequately manage and fund a pension plan.

Fund Management Complexities

Defined benefit (DB) plan sponsors are committed to keeping the pension promise. However, in today's increasingly more complex and risky environment, meeting that obligation is a growing challenge for companies that also have to focus on staying competitive and creating shareholder value. Many simply cannot develop or devote the specialized expertise—and often the increased capital—needed to adequately manage and fund a pension plan.

Longer Life Expectancies

People are healthier and living longer, which means that pension liabilities continue to grow—even for plans that are no longer accepting new members.

Longer Life Expectancies

People are healthier and living longer, which means that pension liabilities continue to grow—even for plans that are no longer accepting new members.

Volatile Markets

Whatever the founding assumptions might have been, DB plan sponsors currently face the risk of falling rates that can exacerbate funding shortfalls and depress future return expectations. Volatility in the equity markets is ever present and reducing the number and range of investment opportunities available to pension plans.

Volatile Markets

Whatever the founding assumptions might have been, DB plan sponsors currently face the risk of falling rates that can exacerbate funding shortfalls and depress future return expectations. Volatility in the equity markets is ever present and reducing the number and range of investment opportunities available to pension plans.

woman and man enjoying coffee in their kitchen at home

Our Options


American National provides DB pension plan sponsors with tailored group annuity solutions for meeting their pension obligations while strategically reducing—or removing—the balance sheet risk associated with their plans. Options include:

Retiree lift-outs

Only the retirees of the plan are transferred to the insurer. The terminated vested members and actives remain in the plan.

Retiree lift-outs

Only the retirees of the plan are transferred to the insurer. The terminated vested members and actives remain in the plan.

Plan Terminations

All the members of the plan are transferred to the insurer and the plan is terminated.

Plan Terminations

All the members of the plan are transferred to the insurer and the plan is terminated.

Buy-in

The plan purchases a contract to hold as an asset. This buy-in contract provides guaranteed investment returns and longevity protection.

Buy-in

The plan purchases a contract to hold as an asset. This buy-in contract provides guaranteed investment returns and longevity protection.

Our Ratings

Ratings below based on American National Insurance Company. Click the button below to see full ratings.

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Fitch

A

as of June 2023

A.M. Best

A

as of July 2023

S&P

A

as of Nov 2023

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American National is a group of companies writing a broad array of insurance products and services and operating in all 50 states.  American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas. Life insurance, annuities, health insurance, credit insurance, pension products, and other products and services are written through multiple companies. Property and casualty insurance is written through American National Property And Casualty Company, Springfield, Missouri, and affiliates. In New York, business is written through Farm Family Casualty Insurance Company, United Farm Family Insurance Company, and American National Life Insurance Company of New York, Glenmont, New York. Not all products and services are available in all states. Not all companies are licensed in all states. Each company has financial responsibility only for the products and services it issues.

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