Truly independent annuity marketing!
Almost every day I speak with agents who may work through more than one wholesaler. The most common complaint is the lack of availability of the senior personnel at these firms. This puts the agent in the position of having to learn about products on his own or try to figure out the correct forms necessary to complete the sale. Once the sale is made the processing work comes into play. If a 1035 exchange is involved, timing can be critical to make sure the rate is not lost. Additionally, if the paperwork goes to a home office incomplete or incorrect a long time delay may occur and a rate may expire.

A less common complaint yet, I feel a more important one is that many large wholesalers are not truly independent. They are owned by an insurance company. This fact is not readily disclosed and therefore the product offerings and recommendations are not without bias. If you find yourself inundated with information about one company’s products from your wholesaler, you may ask if you are getting a true reading of the marketplace.

At FSD we believe our job is to deliver to our agents the best products available in the market from the best companies. We are truly independent. A family owned and run business. We offer unbiased recommendations, as an independent should.

At FSD we want to help our agents. We are happy to do the submission to the company. Many agents send the paperwork direct, but fax us copies so we can follow up on the status. We strive to make your job easier so you can be out in the market doing what you do best – SELL! Many of the other wholesalers believe their job is to recruit as many agents as possible. At FSD we believe our job is to make our contracted agents bigger producers. As president of FSD, I am always available to speak with agents. I look forward to it. Perhaps a new idea (or even an old one) comes out which leads to a new marketing thrust. Please feel free to call or e-mail FSD for any assistance you may need.

Another area FSD has tried to help is through our website www.fsdfinancial.com. At the site you will find current interest rates updated daily, request a sales kit, sales ideas, articles and other features to help our agents do their jobs better.

All the staff at FSD wants to help you become a bigger producer. Give us a call, we work for you.

INTEREST RATES/GETTING APPOINTED
There is no doubt that the volatility in interest rates continues. We are constantly getting rate changes (almost always down) from our carriers. The website will be updated immediately. Please call FSD or check the web for the correct rates because they change quickly. Getting appointed will help you stay up to date with new product offerings, commission specials and enables faster policy and commission issuing.

Check the back page of this Journal for appointment request.

How one agent turned his clients $20,000 annual income into a $90,000 annual income