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“Float” or available reserve is the amount of money, at best itchy scalp shampoo hand at best itchy scalp shampoo any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. It requires a lot of practice. This gives investors the ability to move between subaccounts without incurring additional fees or sales charges.
An annuity is an insurance product; annuities are typically issued by the same companies that issue life insurance policies, and the risks undertaken by the issuer are fundamentally the same for both products -- that is, the insurance company bets on the life expectancy of the customer
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