In this rising interest rate environment most multi year guarantees are looked at as a commodity. The insurance carriers recognize this and have reduced commissions so they can show higher rates to the consumer who now surfs the Internet looking for the best rates. At FSD we strive to always have the best guaranteed rates available to our agents. Don’t get beat by the Internet – we know commissions are low, but at this point in history a little may be better than nothing. New deferred annuity products are being introduced as the interest rate environment seem to be warming up. We will continue to work with the insurance companies to develop and distribute the most competitive deferred rate products available to the independent agent.

Many seniors have seen their investment income drop severely over the past few years due to record low interest rates. That is a big problem. Fixed annuities can provide income in 3 basic methods. 1. Life Annuity - provides guaranteed income for life. Large portion of payment is tax free. 2. Systematic Withdrawal - automatically pays earned interest monthly. 3. Split Annuity - produces a monthly income on one side and builds back to original premium on the other side. Payments 75-90% tax free. Any of these methods may double the monthly income. The split annuity and the systematic method also retain the original investment. Ask your clients if they want to safely double their income. Call FSD and we can illustrate how.

Beneficial Life Guaranteed Step-Up - Guaranteed Increasing Rate Annuity

A fixed cd type annuity with a distinct advantage, the rate will go up guaranteed.

When compared to a CD this annuity rate is higher and will increase, guaranteed.

It is simple and works like this:

With a Commission of 2.00% (0-90)1.00% on special and a Full Death Benefit with Waivers it allows 10% Withdrawals In all years. 5 Year Surrender 7%,7%,7%,6%,5%,0%