Annuities
Fixed, MYGA, FIA and income riders. Suitability, rates, rollovers, and who actually needs one.
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InsuraCentralStaff·
Athene annuities: the fixed indexed annuity leader and what to check on the rate sheet
Athene has been one of the largest writers of fixed indexed annuities in the country, and it's often the first FIA quote in a comparison. Products. Fixed indexed annuities with a range of index options and optional…
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InsuraCentralStaff·
American Equity annuities: the indexed annuity specialist and its income riders
American Equity focuses on annuities, which makes it a common comparison against Athene and F&G in the FIA conversation. Products. Fixed indexed annuities with income riders, and fixed-rate options. Rates and caps per…
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InsuraCentralStaff·
MYGA carriers agents are actually using this year, and how to compare the rate sheets
Multi-year guaranteed annuity rates have been high enough to sell on the number alone, and the carrier list that agents mention is long: names that specialize in fixed products, some of the FIA leaders, and a few…
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InsuraCentralStaff·
Annuity suitability paperwork: what the reviewers actually flag
Every annuity application goes through a suitability review, and a surprising number get held. The reasons are consistent enough to list. Percentage of liquid net worth. Most carriers want to see the annuity premium as…
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InsuraCentralStaff·
Bonus annuities: the surrender schedule nobody reads
A 10 percent premium bonus looks like free money on day one, and it's the reason some of the worst-fitting annuities get sold. The bonus is paid for somewhere, and the somewhere is usually the surrender schedule and the…
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InsuraCentralStaff·
MYGA versus fixed indexed annuity: the one question that decides it
Rates are still high enough that a multi-year guaranteed annuity (MYGA) is a real product again, and clients are asking about it next to the fixed indexed annuity (FIA) they saw at a dinner seminar. One question sorts…
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InsuraCentralStaff·
Your first annuity case from application to issue: what the paperwork actually looks like
The sale is the short part. Here's the sequence agents get surprised by. 1. Training and appointment. Carrier product training completed before you solicit, state annuity training where required, and the appointment…
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InsuraCentralStaff·
MYGA vs FIA vs SPIA: the five-minute explanation for a life agent adding annuities
A lot of the senior book asks about "something safe for the CD money". Here's the map before you start the licensing and product training. MYGA (multi-year guaranteed annuity). A fixed rate for a fixed term, three to…
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