One of the defining trends for the annuity market in 2012 will continue in 2013: guaranteed income.

"There's no greater time to be offering guaranteed income products," Doug Dubitsky, vice president of product management and development for Guardian Life Insurance, told AdvisorOne on Monday. As more people enter retirement and since fewer people have access to traditional sources of retirement income like pensions, products that can provide a guaranteed income stream in retirement will be major drivers of success in 2013, Dubitsky said.

He noted that Social Security, while still available, won't "cover most people's lifestyle. People have their own assets they need to turn into guaranteed income."

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