Ask the Experts: Longevity of the unit-linked guarantees market

Answer - Colin Bell, European variable annuity product director, Aegon There are two aspects to this. Firstly, in terms of the consumer need that these products satisfy, I think that the need for capital or income guarantees underpinning defined contribution pensions or other unit-linked savings is here to stay. In fact, I can only see the need increasing over time as more and more consumers find themselves taking the risks on their future retirement benefits rather than their employer. The second aspect is the longevity of the companies operating in the market. Clearly, these ar...