26 pages. "Fixed Indexed Annuities (FIA) and Investment-Oriented Variable Annuities (IOVA) are growing rapidly.... Qualifying Longevity Annuity Contract (QLAC) offerings are expanding.... Look for insurers to continue to innovate by placing lifetime income options in workplace plans, where the bulk of investable retirement assets reside ... Expect insurers to continue to focus on FIA and IOVA product development as they continue to diversify product lines and position products to meet varying consumer needs.... Rising prices for services will square off against the disinflationary effect of falling commodities prices to frame the outlook for continued rate increases in 2016."  MORE >>