Sales of Indexed Annuities continue to be strong and increasing. The average sale size is also large because we are seeing a lot of transfers and rollovers from both mutual funds and variable annuities. Clients are now looking to protect the gains achieved during the past 3 years. They also don’t want to miss out if the stock market continues to advance strongly. How does one protect against giving back gains in a market decline and still capture returns in a market advance? The answer, of course, is an Index Annuity. If your clients are concerned about this problem (trust me, they are) you have the solution.

If the market declines, your client made the right decision and protected past gains. If the client is wrong, and the market continues upward, he still wins because he gets this upside movement. Ask your clients if they would lock in their gains if they could or would they prefer to risk those gains everyday.

If you are not selling Indexed Annuities you are losing tons of commission dollars.

Not sure about how to present an Index Annuity to your clients? Call us at FSD for some proven ideas which have worked.

FSD ADDS 2 NEW INDEX ANNUITY CARRIERS!
PHYSICIANS LIFE INSURANCE CO. (PLIC)

Physicians offers 2 different Index Products. The Vista 9 and Vista 500. We will focus on the Vista 9.

Your Annuity Desk has AAA rated carriers

AIG LIFE

Call us for a competitive immediate annuity quote from AIG or any of our other AAA rated carriers.

Our 2nd new carrier is Great Southern Insurance Company. Their product is the new Great Index Annuity which has strenghts where others may have weaknesses. The index product compounds (every 2 years) and includes a 10% free withdrawal provision (even in the first year)! Instead of an annual lock-in and annual reset, the Great Index offers a biannual (every 2 years) feature. Below are details of this new product. For contracting, please call us at FSD.

• Issue Age 0 - 90
• Commission Reduction at age 81
• Participation 100% less spread 3% (maximum 6%)
• Penalty Free Withdrawals
• 10% free, available starting the first contract year. (Not cumulative).
• Death Benefit - No Surrender Charges
• Guaranteed Minimum Value - 3% on 90%
• Compound Interest - Not Simple Interest
• Index Term - 8 years from contract effective date, with interest credited every 24 months
• Surrender penalties - 8% charge for the first term, and 5% in renewal terms
• Administrative Charge - 1% per year
• Commission - Paid weekly 5.50%
• NO AVERAGING
• NO PARTICIPATION REDUCTION
• NO SIMPLE INTEREST
• NO CAP
• SIMPLE SPREAD DESIGN

GAA178 For Agent Use Only May not be available in all states.