SIMSBURY, Conn.–(BUSINESS WIRE)–Ruark Consulting, LLC today released the results of its 2021 industry studies of variable annuity (VA) policyholder behavior, which include surrenders, income utilization and partial withdrawals, and annuitizations. Highlights are available on the company’s website at www.ruark.co. “We saw clear dampening effects of the COVID-19 pandemic on VA policyholder behavior. But while many people like to say ‘everything changed’ in 2020, that’s not exactly true,” said T