Core Insights - Annuity sales in the US reached nearly $120 billion in Q3, marking the eighth consecutive quarter above $100 billion, with year-to-date totals at $345 billion, a 4% increase year over year, indicating a significant shift in advisor perspectives on annuities [2][3] Industry Trends - The favorable market conditions, including volatility, higher interest rates, and strong equity growth, are driving the demand for annuities, particularly registered index-linked products that offer attractive caps [3] - Half of the advisors are increasing client allocations to annuities, reflecting a growing acceptance of these products in retirement planning [6] Advisor Perspectives - There is a divide among advisors regarding the use of annuities; some view them as essential tools for managing longevity risk, while others remain skeptical, seeing them as sales strategies rather than genuine retirement solutions [4][3] - Fee-based annuities are emerging as a solution to reduce conflicts of interest associated with traditional commission-based products, suggesting a shift towards more transparent financial products [6]