Advisers seek to skirt VA roadblocks

Advisers seek to skirt VA roadblocks

There are 1 comment on the InvestmentNews story from Apr 3, 2009, titled Advisers seek to skirt VA roadblocks. In it, InvestmentNews reports that:

Advisers are being pelted with a dizzying array of new insurance products. But as quickly as products develop, so, too, do the challenges, which include evaluating carriers' financial health and deciding which product might be favorable in a given economic environment.

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Fo Tan, Hong Kong

#1 Apr 23, 2009
There is enough measures in place (by regulators)to evaluate products as well as their providers / manufacturers to protect the public from them. There is no reason to lay additional challenges on advisors; this is not only redundant but a just a knee jerk reaction from the uninformed or those who do place any value in the role of regulators or their responsibilities (or deflect them to advisors).

Advisors can only be responsible for the intrinsic value of their product and their performance expectations (as stated by the manufacturer). IF Advisors are to be made responsible for the manufacturer’s financial health, they may as well be responsible for the actions of the manufacturer’s employees in case of under performance, negligence, or fraud and the like.

In that case one may as well buy Insurance on existing Insurance policies.

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