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Pension Risk Transfer Solutions Main

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.

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Why De-Risk

Why De-Risk


Fund Management Complexities

Defined benefits plan sponsors are committed to keeping the pension promise. However, in an ever 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.

Volatile Markets

Whatever the founding assumptions might have been, DB plan sponsors currently face the reality of persistently low rates that 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. Even positive news can have a negative impact.

Longer Life Expectancies

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

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Our Options Panel

Our Options

American National provides defined benefit (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.

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.

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Why Choose American National

Why Choose American National?

For over 117 years American National’s mission has been to provide reliable coverage for our clients when they need it most and to stay true to our company values: financial strength, integrity, respect, service, and teamwork. Our dedication to strong financial stability and growth has made us an industry leader with a focus on the long-term.

 

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Our Ratings

Our Ratings

Involved in our communities

Local communities are important to us, as are the people who live in them. That's why we find ways to give back and support those around us.

Knowledgeable and caring agents

Building relationships is at the heart of what we do. That's why we focus heavily on training our agents so they can be the best resource for you.

Generations of experience

American National has been in the insurance industry since 1905. We are focused on providing the best service to current and future generations to come.

Learn More
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Get to Know Us

Get to Know Us

If you would like to learn more about our de-risking options, contact us to start the conversation.

Email:
prtsolutions@americannational.com


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Footer Disclaimer

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. 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. Property and casualty insurance is written through American National Property And Casualty Company, Springfield, Missouri, and its subsidiaries and affiliates. Other products and services referenced in this website, such as life insurance, annuities, health insurance, credit insurance, and pension products, are written through multiple companies. 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 its own products and services and is not responsible for the products and services provided by the other companies.

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