Effective warm calls are not as difficult as they once were. In past lives, it was necessary to create long-winded, fancy scripts - but today, sincerity goes a long way. Showing that you care is a large portion of a successful formula. Prospects have become callused to the “sales person” and the boilerplate...

When looking to enhance the legacy of your client, typically Life Insurance is the first idea that comes to mind. But, what if your client is uninsurable? Or, perhaps, wants to pass on some IRA dollars? Annuity solutions should be your next stop. With insured increasing DB values and the ability to take...

Rates on CDs and other fixed instruments have remained low this year, with the forecast being ‘low’ for another 2-3 years. While this may limit funding options, consider what an index annuity with minimum guarantees could do for your clients. The top CD in the marketplace today is paying around...

In recent years, looking for a growth strategy among index annuities is a simpler task. You just choose a product with the most favorable rate and the best performance history. However, let’s look ahead 5 years. There is an overwhelming theme from leading investment firms to stay at the forefront...

With the DOL and the fiduciary rule taking effect next April, we are receiving inquires on a frequent basis as to what this will mean for advisors recommending index annuities to fund IRAs. By now you’ve probably read about the fiduciary rule, the Best Interest Contract Exception and the countless...

Low rates, market volatility, sequences of return risk, and longer life expectancies are all effecting what safe withdrawal rate planners are comfortable recommending during the income phase of retirement. Due to these factors, many financial studies claim the safe withdrawal rate is closer to 3% nowadays...

Annuity rates are on the move and we have listed the top contracts below.  Short term annuities (3 – 7 years) are selling really well!  Contact us for full details on how to implement these into your practice. Fixed Annuities: With the top 5-year Bank CD at 2%, your clients over age 59.5 should...

As a US Soccer fan and a former professional player, I secretly knew our US Men’s National Soccer Team was going to be fighting an uphill battle against the number one team in the world, Argentina, in the Copa America Semi Final on Tuesday night. Spoiler alert: we lost 4 – 0. What can you do? They...

Annuity rates are on the move and we have listed the top contracts below. Short term annuities (3 – 7 years) are selling really well. Index Annuities for Accumulation: 7 Year: With no fees and no potential for losses due to a stock market decline, conservative clients looking to grow funds safely...

Almost half way through 2016 and CPS is on a record pace for annuity sales.  See below for highlights of the annuity contracts we are seeing the most success with. CD Alternatives – Multi-Year Guarantee Annuities With Bank CDs in the 1.60% range, fixed annuities can make a lot of sense for clients...