Has excellent SPIA Rates. A rated carrier with all SPIA options available. Cost of living adjustments- period certains and life contingencies. Call for a quote today!

Provides best 3 year rate and commission combination. Standard also has 5 and 6 year terms, all with guaranteed return of premium (money back guarantee), no market value adjustment (MVA), additional premiums allowed in the first 90 days, full death benefit , nursing home and terminal illness waivers and free withdrawals. Oh, and by the way, if the 3 year product is annuitized the client gets a 2% bonus.

TOP SELLERS – TOP COMMISSIONS

AIG/AG Has An A+ Rating & The Ultra MYG Annuity

7.45% 1ST year - 3.45% years 2 through 6 - With a 9% Commission.

While FSD is primarily an annuity provider, we do carry life contracts from almost all our carriers. We believe we can provide the highest payout to our agents – call us for a compensation level quote and bonus payouts. You may be pleasantly surprised.

Market Value Adjustments are increases or decreases in contract value due to premature surrender, or withdrawals in excess of the free withdrawal amount allowed per contract year. When rates drop during the surrender charge period, the surrender value of the contract can increase, when rates go up during the surrender charge period, the surrender value will decrease.

Market Value Adjustment [MVA]

Your annuity premium will be used to purchase investments.  Should you choose to make an early withdrawal of funds, we may need to sell those investments before their maturity date. If interest rates are lower when the investments are sold, the MVA could increase the contract value. If interest rates increase, the MVA could decrease the contract value. There is no MVA during the 30-day window described above, or at any time when there are no Surrender Charges. See the Calculator section of this web site for additional details on MVA and MVA index rates.

Agents have been asking and now they are here. FSD has several carriers that offer no MVA as a part of the surrender charge.

Liberty Life - The SPDA from Liberty Life has a minimum guarantee as high as 3.50% forever. Other key features include a money back guarantee (return of premium), full death benefit, 10% free withdrawal and a 4.00% commission on this 7 year product. Lock in this super high minimum guarantee while you can. NO MVA

Standard Insurance - Has a 6 year product with a 1% first year bonus. Key features include a bail out in years 2-5 if the rate drops below the base rate (1% less than first year rate) the client can bail with NO SURRENDER! NO MVA!

Lincoln Benefit - Savers Choice Plus is a 9 year product with a 1.5% first year bonus and a tiered interest rate. For amounts over $50,000 there is a minimum guarantee of 3.50% and under $50,000 minimum guarantee of 3.00%. (see spreadsheet inside for details and current first year rates.) NO MVA!

FSD is a full service general agent for many top annuity companies. Full service means intensive product training, full sales support including client presentations and new business submission and follow up. Confidence shows through. Be the expert at the sales table, let us show you how!