The annuity industry has gone through much change in the past 12 to 18 months, and that is likely to continue, write Dave Czernicki and Christopher Raham of Ernst & Young. Among the most likely "catalysts for market change" are technological advancements in annuity-product delivery, a shift away from variable annuities and more use of deferred-income annuities, Czernicki and Raham write.

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