Can this Coursera course count toward a certificate or degree?

Yes! Although completion of the Coursera course alone is not credit-bearing, it is a required component of a graduate-level Canvas course that can be "stacked" toward advanced credentials such as an academic (transcriptable) graduate certificate or a degree. If you decide to pursue further education, the credits you earn from this course can be applied toward a formal academic program, provided that you meet all the requirements of admission to the certificate or degree.

When will I have access to the lectures and assignments?

To access the course materials, assignments and to earn a Certificate, you will need to purchase the Certificate experience when you enroll in a course. You can try a Free Trial instead, or apply for Financial Aid. The course may offer 'Full Course, No Certificate' instead. This option lets you see all course materials, submit required assessments, and get a final grade. This also means that you will not be able to purchase a Certificate experience.

What will I get if I subscribe to this Specialization?

When you enroll in the course, you get access to all of the courses in the Specialization, and you earn a certificate when you complete the work. Your electronic Certificate will be added to your Accomplishments page - from there, you can print your Certificate or add it to your LinkedIn profile.

Is financial aid available?

Yes. In select learning programs, you can apply for financial aid or a scholarship if you can’t afford the enrollment fee. If fin aid or scholarship is available for your learning program selection, you’ll find a link to apply on the description page.

RiskWise: Annuities and Income

RiskWise: Annuities and Income

本课程是多个项目的一部分。

位教师：Dr. Craig Lemoine

包含在中

了解更多

4个模块

深入了解一个主题并学习基础知识。

初级等级

无需具备相关经验

5 小时完成

灵活的计划

自行安排学习进度

4个模块

深入了解一个主题并学习基础知识。

初级等级

无需具备相关经验

5 小时完成

灵活的计划

自行安排学习进度

您将学到什么

Explain what annuities are and how they are used to support retirement income, including protection against longevity risk.
Compare annuities with traditional investment‑based approaches and describe when guaranteed income may be useful within a retirement plan.
Identify and explain key annuity features and tradeoffs, including income options, guarantees, fees, and liquidity.
Apply retirement income concepts to realistic scenarios, evaluating long‑term outcomes, survivor considerations, and communication challenges.

您将获得的技能

要了解的详细信息

可分享的证书

添加到您的领英档案

了解顶级公司的员工如何掌握热门技能

了解关于 Coursera for Business 的更多信息

Petrobras, TATA, Danone, Capgemini, P&G 和 L'Oreal 的徽标

积累特定领域的专业知识

此课程作为的一部分提供

在注册此课程时，您还需要选择一个特定的合作项目。

向行业专家学习新概念
获得对主题或工具的基础理解
通过实践项目培养工作相关技能
获得可共享的职业证书

该课程共有4个模块

Turning lifetime savings into reliable retirement income is one of the most complex challenges in financial planning. In this course, you’ll explore how annuities work as insurance‑based contracts designed to support retirement income and manage longevity risk—while also examining the tradeoffs they introduce around flexibility, liquidity, costs, and legacy planning.

Through expert interviews and realistic retirement scenarios, you’ll compare annuities with traditional investment‑based approaches and evaluate when guaranteed income may be useful within a broader retirement plan. You’ll learn how income options, guarantees, fees, and contract features affect long‑term outcomes for individuals and households. Rather than promoting specific products, this course emphasizes evaluation, judgment, and communication. You’ll apply retirement income concepts to practical situations, considering portfolio pressure, survivor outcomes, and the challenges of clearly explaining tradeoffs to clients or family members. Designed for a broad audience—including aspiring and current financial professionals, retirement planners, and informed consumers—this course equips you to assess annuity contracts thoughtfully and understand their role in comprehensive retirement strategies. This course is part of the College of ACES suite of online programs. To learn more about online programs from the College of ACES and explore ways to apply your Coursera work toward a degree program at the University of Illinois, visit: https://aces.illinois.edu/online.

单元详情

In this opening module, you’ll get oriented to the course and begin exploring why retirement income planning is fundamentally different from investing during your working years. We’ll focus on uncertainty, longevity risk, and how annuities are designed to address those challenges. You’ll also be introduced to Jamal and Renee, a household you’ll revisit throughout the course. By the end of this module, you’ll be able to explain what annuities are designed to do and the risks they are meant to manage.

涵盖的内容

9个视频3篇阅读材料2个作业1个讨论话题

9个视频总计33分钟

Course Introduction1分钟
Meet Your Instructor | Craig Lemoine4分钟
Meet Your Instructor | Tapiwa Sigauke1分钟
Module 1 Overview1分钟
What “Deferred” Means in Annuities (and Why It Matters)4分钟
How Longevity Risk Is Shared: Mortality Credits Explained5分钟
How Annuities Are Taxed: What to Know at a High Level13分钟
How Annuity Contracts Are Structured (and Who Gets Paid)4分钟
Meet Jamal and Renee: A Retirement Income Story Begins1分钟

3篇阅读材料总计30分钟

Course Guide10分钟
Updating Your Profile10分钟
What Happens If a Life or Annuity Insurance Company Fails?10分钟

2个作业总计20分钟

Orientation Quiz10分钟
Module 1 | Knowledge Check10分钟

1个讨论话题总计10分钟

Getting to Know Your Classmates10分钟

This module focuses on how annuities actually work. You’ll examine different contract structures, income options, and common features, and explore how changes in design affect income and flexibility. Rather than making recommendations, you’ll use tools and examples to observe patterns and tradeoffs. By the end of this module, you’ll be able to describe how annuity contracts function and why design choices matter.

涵盖的内容

9个视频2篇阅读材料1个作业

9个视频总计49分钟

Module 2 Overview1分钟
How Annuity Contracts Work: A Guided Overview2分钟
Surrender Charges in Variable Annuities: What They Mean6分钟
Using Annuity Calculators to Explore Income Tradeoffs5分钟
Indexed Annuities: How They Grow and What to Watch For5分钟
Deferred Variable Annuities Bells and Whistles10分钟
Choosing Annuities Wisely3分钟
Why Annuities Exist and How They Reduce Withdrawals7分钟
Deferred Annuities: Timing, Structure, and Tradeoffs10分钟

2篇阅读材料总计11分钟

Explore | Public Annuity Calculators10分钟
Optional Reading | Planning with Annuities Based on Retirement‑Income Styles1分钟

1个作业总计10分钟

Module 2 | Knowledge Check10分钟

In this module, you’ll begin applying what you’ve learned to a real household. Using the Jamal and Renee case, you’ll assess retirement income risks and priorities without selecting products or calculating exact income amounts. Expert perspectives will help connect guaranteed income to spending behavior and long‑term decision‑making. By the end of this module, you’ll be able to evaluate fit and explain key tradeoffs in retirement income strategies.

涵盖的内容

4个视频2篇阅读材料1个作业

4个视频总计26分钟

Module 3 Overview1分钟
Behavioral Realities of Retirement Income9分钟
What Makes Annuity Contracts Different from Investments7分钟
How Annuities Fit Within Broader Retirement Income Strategies10分钟

2篇阅读材料总计20分钟

Jamal and Renee: Retirement Income Snapshot10分钟
Guaranteed Income: A License to Spend10分钟

1个作业总计20分钟

Module 3 | Knowledge Check20分钟

This final module shifts from planning to outcomes. You’ll see how earlier retirement income decisions play out over time, including survivor and liquidity considerations. You’ll also explore ethical and practical perspectives on using annuities and practice communicating a strategy in plain language. At the end of this module, you’ll complete the final assessment and earn your Coursera certificate.