The Secure Index from ING USA makes selling easy. An extremely simple to understand annual reset crediting method and the strongest minimum guarantee, (100% @ 3%), on an Index Annuity are two reasons why. This product has only one moving part, the cap.

The cap is currently 8.50% on deposits $100,000 or more and 7.50% under $100,000. Client is credited 100% participation in the S&P 500 gain up to the annual cap. So if the S&P is up 10% in a given policy year the client would receive 8.50% assuming $100,000 deposit. That gain is locked in, the S&P is reset and should the next policy year see a decline in the S&P the client would receive 0% for that year, reset at the new lower S&P but not loose any previous gains.

ING USA Has A New Application
and Disclosure forms. No old forms after 4/30/2005

INDEPENDENT ANNUITY AGENTS

Let FSD help you become an annuity expert. Our appointed agents get intense product training, access to the industry’s top carriers and the highest level commission contracts. Plus our back office does all the follow-up for you. This saves our agents a tremendous amount of time and energy. Fixed Annuities offers GUARANTEES, let us show you how these guarantees can offer your clients security in their retirement years.

An Industry Awakening
SPIA Single Premium Immediate Annuity (from march 2005)

Bob Affronti, President of FSD has been selling SPIAs for his entire career. Over the last seven years he has been pounding the insurance
industries upper management about the undeniable need baby boomers will have for guaranteed retirement income.

78 Million Baby Boomers will need income.
Only An SPIA will GUARANTEE it Forever!

The industry now seems to be waking up to this fact. Over the next several years the amount of time and advertising companies devote to SPIAs will increase dramatically. Do not miss out on this opportunity. Let FSD train you to become a retirement income specialist!

Annually Lock-in gains and S&P. 100% of the gain in the S&P 500 over the policy year up to the cap.