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Home / Archive by category "Annuities"

Browsing the "Annuities" Category

How About 8.15% GUARANTEED For 3 Years?


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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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How Purchasing A Policy Can Lower Tuition Costs


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 14 Dec 2021   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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Have You Looked at Your In-Force Annuities with MVAs Lately?


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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...

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NY Regulation 187: What You Need To Know


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 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,...

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More Income Than Ever Before


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 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...

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How To Turn Tax-Deferred Money Into Tax-Free Distribution


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 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...

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Your Mid Year Check Up


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 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...

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Tax Saving Sales Idea – QLACs


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 12 Dec 2017   Posted by Scott White

As the year draws close to its end, now’s an opportune time to start discussing your clients’ IRAs and RMDs that will need to be taken next year based on year-end balances. A qualified longevity annuity contract (QLAC) can be a great way to pivot from this conversation into one that will save money...

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Tapping The Power Of The Force


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 10 Oct 2017   Posted by Matt Henn

The force of tax deferral that is! In its simplest form, an annuity is a retirement vehicle – 1) it’s a solution to grow money tax favorably and 2) it’s an opportunity to create guaranteed lifetime income. We’re all keenly aware of the lifetime aspect of annuities – and for good reason,...

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Remember The DOL Rule? Here’s The Latest!


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 07 Sep 2017   Posted by Scott White

The Department of Labor Rule has been a hot topic throughout the first part of 2017. And recently, the DOL published a comment proposal to delay the January 1, 2018 full compliance date for 18 months - pushing it out until July 1, 2019. What does this delay mean? The June 9, 2017, requirements...

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