Article: CARRIERS WORK ON SIMPLIFYING VAs; Riders appeal to advisers, but product complexity turns them off.(Special Report: Variable Annuities)

Byline: Darla Mercado

ware of the appeal of variable annuity riders, carriers plan to strengthen their offerings while attempting to meet financial advisers' calls for simplicity.

"Advisers want simplicity so the company that can introduce features, and show why and how the features fit, will be the company that they go to,'' said Marc Constantini, president of variable annuities at John Hancock Financial Services Inc. of Boston.

The fight among the carriers will come down to which can provide a better presentation to their adviser base - not just which has the better benefits, according to Steve Kluever, senior vice president of product and ...

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