Annuities – Buy High, Sell Low!

It sounds counter-intuitive given the often-voiced foundational principle of the investment community. But when you are discussing returns offered by annuities, “buy high and sell low” can make perfect, and profitable, sense.

Market conditions have pushed fixed-index annuity performances to an 18-year high.

As a result, any contract your client has held for even as little as five years is worthy of re-examination to determine if their money is doing the most possible.

Consider the effect of changed circumstances on new FIAs:

• Interest rates on guaranteed portions of accounts are increased.
• Caps on portions of accounts tied to market performance are higher.
• Payments from income riders are greater.
• Movement of the money is non-taxable – Whether a partial withdrawal or a full surrender, movement of account values not subject to a surrender charge can be repositioned through a 1035 exchange.

We make it easy for you with our uncomplicated we-do-it-all review procedure:

Step #1 – Simply send us the client’s current annuity statement. That’s all!

Step #2 – We will evaluate the contract’s rates, riders, caps, and surrender status comparing it to today’s leading fixed indexed products.

Step #3 – We will send you a clear, side-by-side presentation of the best replacement options, highlighting the advantages so you can easily discuss the options with your client.If the current contract is the best choice, we will say so – no spin, no pressure. Just let your client know what you have done for them.

It can be well worth the time for both you and your client. We recently finished the review of eight existing policies, recommending that six be exchanged resulting in a commission of almost $200,000.

Start your next review today, or bring any annuity opportunity you have to us!