Agents have been saying this to me for months and the solution many have turned to is the Secure Index from ING USA. The Secure Index is basically a 7 year guarantee fixed annuity with upside potential. An agent can get a 4 or 5 percent commission on a 7 year lock up at a 3.00% interest rate, but not so exciting to a client. The Secure Index has a 5.00% commission with a 3.00% guaranteed minimum that compounds over 7 years combined with the upside potential to do much better.

For an example I have used the ING illustration software which shows 3 types of past performance: the last 7 years, an increasing 7 years and a decreasing 7 years.

If in the Secure Index for the last 7 years based on todays caps a $100,000 deposit would have grown to $130,246 that is like getting 3.85% over a period that the S&P dropped 3 of the 7 years and averaged only 2.10%.

If in the Secure Index during an increasing period 1992 - 1999 based on todays caps a $100,000 deposit would have grown to $150,073 that is like getting 5.97% over a 7 year period.

If in the Secure Index during a decreasing period based on todays caps a $100,000 deposit would have grown to $131,080 that is like getting 3.94% over a period that the S&P dropped 3 of the 7 years and averaged only 1.33%.

The worst this annuity could ever return on a $100,000 deposit is $122,978 a 3.00% compounded return even if the S&P was down for 7 straight years!

Trail Commission Options

Call FSD - Nobody Has Higher Levels
Compare Our Payouts / Place Your Business