Risk & Return




(253) 846-1155



Course Overview

  Risk and Return is a course designed to give a better understanding of risk and how it affects variable annuities and the different subaccounts.


  The course then moves into treating risk and trying to control some of the effects of risk as it pertains to annuity investing. Risk control alternatives are discussed. Risk financing option are discussed and its alternatives.


  The course goes from risk, as it relates to annuities, to an introduction on how it affects insurance coverage. The Law of Large Numbers is discussed and how an insurance company uses logical things to control their risks and operate successfully.

Course Schedule




Chapter 1


The course covers seven different kinds of risks that apply to annuities in some way: Inflation Risk, Interest Rate Risk, Business Risk, Credit Risk, Market Risk, Liquidity Risk and Portfolio Risk. If the type of risk discussed affects an investment, it is also discussed and how to avoid or diminish its affects. The course touches on financial planning to avoid or diminish such annuity risks. Standard deviation is explained along with covariance and correlation coefficients. It also goes into asset allocation and diversification.

Additional Information