New Year / New Annuity Products
Annuity Agent Journal News - Archive
A monthly guide for insurance agents reviewing fixed annuity product quality and performance.
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Annuity Review
(PDF Format)
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March 2006 |
| New
Year / New Products
Happy New Year Agents: We would like to welcome Beneficial Financial Group to our wholesale marketing channel. Beneficial is a 100 year old company with a client oriented product line. Beneficial is offering a very attractive 6 year annuity with a rate of 4.77% (5.60% year 1 and 4.60% years 2-6). In addition to this 6 year annuity a 5 year annuity rate of 4.30% (5.10% year 1 and 4.10% years 2-5) is also available. The commission on the 6 year annuity is 2.00% through age 90. The 5 year annuity has a 3.75% commission to age 80. Both issue to age 100. If you would like to get licensed with Beneficial, simply give us a call at 800-373-9697 or email annuity@earthlink.net regarding Beneficial, for licensing paperwork. Longevity Protection This year we will be increasing our already intense immediate annuity education. Sales of SPIA's are up and so is interest. FSD has been a longtime advocate of immediate annuities, the only product that can guarantee an income that can not be outlived. The immediate annuity can guarantee a couple age 65 with a monthly income of $541.58 for both lives with a 20 year minimum guarantee while paying the agent a 4.00% commission with an A++ rated company! That is almost a 6.50% principal and interest return forever. The longer they live the better this deal gets. If mortality tables rise in the future, the cost of an immediate annuity for a couple age 65 will increase. If interest rates rise before the mortality tables, the couple would receive a higher monthly benefit. In either case, the income will be there ever month guaranteed, no matter how long a retirement may last!
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