FIA Market Briefing

What this means for FIA rates: The 10-year Treasury held essentially flat at 4.49% this week with volatility contained, so FIA options budgets are unlikely to shift meaningfully in the near term. The yield curve is normal (+87 bps), a healthy sign for insurer long-term portfolio returns.

Rates likely holding steady. No major pressure in either direction — yields are flat and options costs are contained. The 10-year moved from 4.48% to 4.49% over the week, and VIX went from 19.44 to 17.14. The yield curve is positive (87bps spread) — a healthy sign for insurer portfolio returns. Status quo environment. Current rate offerings should remain stable in the near term.

• →Rate environment is stable — a good window to review existing FIA positions and consider reallocation.
• →Markets are up — the S&P gained 3.21% this week. Remind clients that FIAs let them participate in gains like these while protecting their principal from downturns.