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Archive | January 29, 2013

What are your prospects really saying?

According to Jill Konrath of SNAP Selling, taking your prospects or clients word at face value is horrific mistake.  There are many objections out there, but most of the time it comes down to just a few.  When someone says “we’re happy with our current provider” one might think they are truly happy and that  Click to Continue


Market Timing Debunked Again

As the market roars ahead 6% for the year and much of the country shivers under an Arctic Blast in the middle of Winter, I am reminded of why God created stock analysts: to make the weather forecasters look good.  The idea of tactical asset allocation and market timing in both index annuities and variable  Click to Continue


Retirement Considerations

Retirement plans come with growing concerns over how scheduling flexibility will affect retirement benefits, such as Social Security, health care and pension plans. Before signing on the dotted line, consider these  potential problems with phased retirement packages. Pension problems Before signing on, those enrolled in a defined benefit plan — especially workers in public sector  Click to Continue


Private Equity Firms and the Annuity Market

A recent trend in the Index Annuity marketplace has been Private Equity firms buying up insurance carriers.  The biggest of these acquisitions was Athene’s purchase of Aviva USA, the #2 seller of FIAs over the last decade.  Now the first primarily Variable Annuity carrier has been bought up with Guggenheim’s recent acquisition of Sun Life.   Click to Continue


Allstate IncomeProtector Annuity

Sounds like Allstate recently came up with an attractive looking deferred income fixed indexed annuity.  The fixed indexed annuity from Allstate, called the IncomeProtector, comes with a bonus and a 7% compound income rider that contractually guarantees that they income account portion will be double the initial premium (assuming no withdrawals, RMD’s, etc).  The payout  Click to Continue


New President at the National Association of Insurance Commissioners

For those of you not familiar with how life insurance insurance is regulated, it is done on a state by state basis.  Of course, there is federal oversight on many levels, but the main guidelines and regulatory rules are put in place by the state insurance commissioner’s office.  Each state insurance commissioner is also represented  Click to Continue