14 Feb 2023
Posted by Tom Virkler 
Nobody gets help with college costs nowadays unless they first fill out a lengthy and bothersome form known as the FAFSA (the acronym stands for Free Application for Federal Student Aid, just in case it ever pops up when you choose the Governmental Financial Assistance category on Double Jeopardy). The...
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14 Nov 2022
Posted by Scott White 
What if you could offer your clients 8.15% guaranteed for 3 years with a taxable investment today? Would they jump on that opportunity? Assuming a 35% client tax bracket, that 8.15% rate is the same as a 5.30% guarantee for 3 years on a tax deferred annuity! See below for a comparison: .tg...
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28 Apr 2020
Posted by Scott White 
If you have clients with annuities that have Market Value Adjustments or MVAs, it may be worth looking up their current values to uncover additional sales opportunities. Market Value Adjustments work as an inverse bond relationship. In other words, if interest rates were HIGHER when your client bought...
Read more → 30 Jul 2019
Posted by Scott White 
Financial and Insurance advisors working in the state of New York have probably heard of Regulation 187 by now. And if not, here is your quick guide to everything you need to know to stay in compliance. This new regulation applies to all financial professionals submitting new business in New York,...
Read more → 07 May 2019
Posted by Scott White 
As clients transition into the income phase of retirement, matters of volatility, sequence of return risk and potentially outliving assets are major concerns. Many clients can reduce these risks with guaranteed income they cannot outlive utilizing a flooring technique provided by annuities. That is, guaranteeing...
Read more → 04 Oct 2018
Posted by Annuity Sales 
FG Guarantee-Platinum® 5 rate reducing from 3.80% to 3.70% effective Monday, October 15th, 2018. E-Apps need to be submitted by 8.00 PM EST on Sunday, October 14th, 2018, to take advantage of the 3.80% current rate. For cash with applications, you have 10 days from the submission deadline to get the check...
Read more → 21 Aug 2018
Posted by Scott White 
Top Bank CDs are currently at 3% for 5 years. Fixed guaranteed annuities are now at 4% for the same 5-year duration. The higher rate alone would be enough for most clients to make a move - but have you looked at what the power of tax deferral would do to add to this argument? The comparison below...
Read more → 07 Aug 2018
Posted by Annuity Sales 
One of the greatest threats to any client’s income or accumulation plan is an extended health care event. With the cost of care ranging from $54K to $100K annually, a client could be forced to liquidate equities at depreciated values, tap into annuities that were earmarked for lifetime income, or destroy...
Read more → 26 Jun 2018
Posted by Annuity Sales 
We’re nearly halfway through 2018 – and the market continues to experience volatility as it digests the outcomes of last year’s tax cuts, the comeback of inflation, geo-political policy uncertainties, and the likelihood of the Fed to increase rates in 2019. A key reason to consider an index...
Read more → 20 Mar 2018
Posted by Annuity Sales 
Since the beginning of the new year, markets have experienced some turbulence. Volatility, a variable somewhat absent in 2017, has returned to the markets at the end of January. The S&P 500 has returned just over 2.5% year-to-date and 16.12% over the previous year. One advantage of index annuities,...
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