|
March 05, 2010 Rate
Spreadsheets: |
Deferred Annuity Guide - PDF - 6 Pages
- What's New
-
Liberty Bankers -
8.75% Year 1 with a
3.50% Base Rate
3.00% Minimum Guarantee Floor / 6.25% Commission:
3.40% Min. Guarantee over 9 yrs. if drops to 3% in year 2-9
4.07% over 9 years if stays at 3.50%
base rate. |
- What's Hot!
- RBC -
9 Year surrender - 4.00% year 1-3 / 4.50% year 4-6
- Genworth - 6 Year
surrender with bail out - 3.30% for 3 yrs.
- Minnesota Life - 9 Year surrender -
3.95% for 9 Years
- Liberty Bankers - 1 Year surrender -1.75% 1 Year Rate
- Liberty Bankers -
5 Year surrender -3.95% for 5 Years
- Liberty Bankers - 4.00% for 7 Years - 4.00% Commission
- American General -
3.45% for 7 Years - 4.00% Commission
|
Indexed
Annuity Guide - PDF - 6 Pages
Ask about our bonus commission on our Indexed Annuity line before
you submit your next case!! 0.25% - 1.00% bonuses Available.
- What's New
-
Great American - Safe Return - 6.50% Commission
6.50% Cap
with a 6.00% Bail out cap
Guaranteed Return Of Principal
- What's Hot!
-
Life Of The Southwest -
Debit Card accessible withdrawals
- 7.50% Income Riders - From RBC
-
Click for brochure
- Fixed annuity with 8.50%
street level comp, in 46 states
- Enhanced death benefit built right into this annuity
- AMERICAN NATIONAL - Value
Lock 10 - 4.00% Bonus
100% Participation - NO CAP -
10 Year surrender -
10.00% Commission
|
|
What is the
strongest guarantee in a Fixed Annuity? |
It is the Minimum Guarantee!
We still have agents with
clients that have products with a 4.00% minimum guarantee. Most of
those clients are out of the surrender charge period and renewing
annually at 4.00%. The 4.00%'s are long gone but we still have
several 3.00% minimum guarantee products and high first year and
base rates. Most believe rates are going to go up, if they do that
is great. However. if rates continue down at least you can guarantee
your client a 3.00% annual floor rate, that beats most if not all CD
rates of today. Our 3.00% minimum products have terms for 4-10 years
and first year rates as high as 8.75%.
Hurry, the
companies are lowering these minimum guarantees or dropping the
products all together.
Feel free to contact us
for specific product information. 800-373-9697
Presidential Just Dropped Minimum Guarantee
to 2.00% on 11/11/2009
|
|
LIFE INSURANCE -
Now Open To Independent Agents |
Our Captive Life Insurance
Commitments Are Over, you the agent benefit.
North American / Penn Mutual / Liberty Bankers / Lincoln Financial / Life Of The Southwest
Presidential Life / Illinois Mutual / West Coast Life / Old Mutual / Genworth Financial
American National / American
General
Incredible Commissions
Call us today or
click
here for more details |
Daily Treasury Yield
Curve Rates
Why fixed annuities are beating the CD's!
| Date |
1 Month |
3 Month |
6 Month |
1 Year |
2 Year |
3 Year
|
5 Year |
7 Year |
10 Year |
20 Year |
30 Year |
| 7/13/07 |
4.72%
|
4.97% |
5.05% |
5.01% |
4.94% |
4.95% |
5.01% |
5.05% |
5.11% |
5.27% |
5.19% |
| 7/14/08 |
1.41%
|
1.52% |
1.95% |
2.23% |
2.47% |
2.79% |
3.20% |
3.49% |
3.90% |
4.52% |
4.47% |
| 11/28/08 |
0.02%
|
0.01% |
0.44% |
0.90% |
1.00% |
1.27% |
1.93% |
2.35% |
2.93% |
3.71% |
3.45% |
| 11/30/09 |
0.08% |
0.06% |
0.15% |
0.27% |
0.67% |
1.12% |
2.01% |
2.69% |
3.21% |
4.07% |
4.20% |
| 01/29/10 |
0.02% |
0.08% |
0.15% |
0.30% |
0.82% |
1.38% |
2.34% |
3.08% |
3.63% |
4.38% |
4.51% |
| Information
provided by U.S Department of the Treasury website. |
|
|
Multi-Year
Fixed Deferred Annuity Rates
02/01/2010 |
|
Term |
Guaranteed Interest Rate |
Company |
Commission |
Details |
|
No Surrender |
1.00% |
Liberty Bankers |
0.50% (0-80) / 0.40%
(81-90) |
Click Here |
| 1 Year |
1.75% For 1 Year |
Liberty Bankers |
0.50% (0-80) / 0.40%
(81-90) |
Click
Here |
|
3 Year |
2.75% For 3 Years |
Liberty Bankers |
2.00% (0-80) / 1.00% (81-95) |
Click
Here |
|
4 Year |
3.00% For 4 Years |
Presidential Life |
2.00% (0-80)
/ 1.00% (81-85) / 0.67% (86-90) |
Click Here |
|
5 Year |
3.15% For 5 Years
|
Minnesota Life |
3.50% (0-80) / 1.50% (81-85) / 0.50%
(86-90) |
Click
Here |
|
5 Year |
3.95% For 5 Years
|
Liberty Bankers |
2.00% (0-80) |
Click
Here |
|
6 Year |
3.40% For 3 Years
(250K+)
3.30% For 3 Years (100K - 250K)
3.15% For 3 Years (under 100K) |
Genworth
BAIL-OUT and NO MVA |
3.00% (0-76)
/ 1.95%
(76-80) /
1.05% (81-85) |
Click
Here |
|
6 Year |
3.90% For 3 Years
(can lock in at 4.40% for years 4-6 and extend surrender to 9 years
3.00% Minimum Guarantee |
RBC
6 or 9 year surrender
•Option to lock in another 3-year guarantee in year 4 at 0.50%
higher than above rates, surrender will start over |
2.00% (0-75)
/ 1.25%
(76-80) /
0.50% (81-85) |
Click
Here |
|
6 Year |
3.30% For 6 Years
(100K+)
3.20% For 6 Years (under 100K) |
The Standard |
2.00% (0-80)
/ 1.00%
(81-85) /
0.77% (86-90) |
Click
Here |
|
7 Year |
4.50% Year 1 ($500,000+)
3.50% Year 1 (Under 500K)
3.00% Minimum Guarantee |
Penn Mutual (A+ RATED) |
4.50%
(0-80) / 2.00% (81-85) |
Click Here |
|
7 Year |
3.45% For First 7 Years |
American General |
4.00%
(0-80) / 3.00% (81-85) |
Click Here |
|
7 Year |
4.00% For 7 Years |
Liberty Bankers |
4.00% (0-80) /
2.00% (81-85) |
Click Here |
|
9 Year |
3.95%
For 9 Years |
Minnesota Life |
3.50% (0-80) / 1.50% (81-85) / 0.50%
(86-90) |
Click Here |
|
9 Year |
8.75% Year 1
3.50% Base Rate
3.00% Minimum Guarantee |
Liberty Bankers |
6.25% (0-70) / 4.50% (71-79) |
Click Here |
|
10
Year |
3.75%
For 10 Years |
American General - Dropping 12/07/09 |
4.00%
(0-80) / 3.00% (80-85) |
Click Here |
|
10
Year |
3.50% For 10 Years |
Illinois Mutual |
5.00% (0-80) |
Click Here |
|
Log onto
FSD-Fixed-Annuity-Agent-Login for all the latest insurance
company rate sheets: |
|
Sales Ideas
In PDF |
Past Months:
Genworth -
CDs vs Fixed Annuities (pdf)
Genworth -
Cash Flow Diversification (pdf)
Genworth -
Tax Advantaged Income (pdf)
Genworth -
Prospecting for 401K / IRA rollovers (pdf)
Genworth -
Targeting Boomers 48068
(pdf)
Penn Mutual -
Life Insurance Competitive Edge (pdf)
SPIA to Fund LTC |
“Would I like to
decrease the taxes I pay each year?” If your answer is “YES,” look
at your most recent Form 1040.
Millions of Americans are paying taxes
each year on interest income that they are not using. An annuity can
be an ideal solution for those of us who want to lower our current
income tax liability and don’t anticipate needing or using the
interest generated in the near future, for instance, in the next
five years. Each individual’s personal financial situation and goals
are different; be sure to consult your trusted financial
professional.
1040's Provide a
Wealth of Information
1040 Worksheet for American General - (PDF) |
|
Immediate Annuities From SPIAQuote.com
|
Excellent
article from The New York Times on positioning SPIA(s) that you
may find useful:
http://www.nytimes.com/2009/10/11/business/economy/11stra.html
Here are the
Highlights:
-
When markets began to
tumble 2 years ago, retirees faced the very real prospect of
running out of money
-
Academic researchers have
long seen SPIA(s) as a solution
-
Case Example: 65 year old
woman retires with $100k in her retirement portfolio
-Expected to live 20 more
years according to Social Security Administration
-Could receive
$578/mo for 20 years
invested in Treasuries
based on early Oct yields
-Would have
NO money left after 20
years,
but a 1 in 3 chance she'd live 5 or more years
-
SPIA solves the longevity
issue by guaranteeing a higher return until death
-
May get a
higher income from a
riskier portfolio of stocks, etc, but still no lifetime
income guarantee
-Especially, if we have down years similar to 2008
SPIA(s) are
the rare case where academic researchers have a more positive
view of a product than most investors, so there's a great
opportunity to educate clients on the benefits of a SPIA.
Look to
Genworth's SL Income Provider for: Income you cannot outlive
with flexibility from our Commutation & Income Advance features
(see brochure). |
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