Annuities And Reverse Mortgages Are Perfect Complements – So Why Have They Been Forcibly Separated

Source: Forbes — 

The answer is that the loss from absence of complementarity is not generally recognized, the population segment that is victimized is not identified, and the regulatory structure responsible for the separation of functions is oblivious to the harm separation of functions has caused. The bottom line is what HUD, the regulator responsible, ought to do in penance.