AnnuityExperts.com

An Overview of Risk Levels in MYG Annuities Early or Excess Withdrawal Risk: Green Level: Offers Return of Premium (ROP) with no surrender charges. Yellow Level: Offers a non-Market Value Adjustment (non-MVA) surrender charge. Red Level: Offers Market Value Adjustment (MVA) surrender charges. Death Benefit Risk: Green Level: Provides full death benefit. Yellow Level: Provides continuation or non-MVA surrender on lump sum death claim. Red Level: Offers 5-10 year annuitization or surrender charge +/- MVA on death claims Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

10 year Treasury have decreased from a high of 4.22% on 11/7/22 to 3.28% today, 4/6/23. MYG Annuity companies have responded by lowering rates. 1 Year annuity is back with a top rate of 4.40%!! Video: My pick for the best overall MYGA (Multi-Year Guarantee Annuity) I have seen in over a dozen years! https://youtu.be/C4ilMRnj4W0 5 year rate guarantee (5.25% as of 04/05/23 and subject to change) 10% free withdrawals Minimum guarantee after initial term is 2.70% for policies issued in April 2023 (CAN CHANGE MONTHLY) Full death benefits No MVA No Repeating Surrender Charges Issues to age 85 Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity Video with Jeff Affronti

US Treasury Rates Are Down! MYG Annuity Carriers Reacts with large rate reduction with only 2 day notice? A quick look a what just happened! Rates reduce 0.80% on some terms since highs! Links: U.S. DEPARTMENT OF THE TREASURY: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView CNBC U.S. 1 YEAR TREASURY: https://www.cnbc.com/quotes/US1Y Treasury rates and fixed annuity rates are related because they are both influenced by the same economic factors, such as inflation, interest rates, and market conditions. When Treasury rates increase, the rates of other fixed income products, including fixed annuities, also tend to increase. This is because fixed annuity rates are often tied to the yield on high-quality fixed income securities, such as government bonds. Insurance companies use the premiums they collect from fixed annuities to invest in a variety of assets, including Treasuries and other fixed income securities. When Treasury rates rise, the insurance companies can earn higher yields on their investments, which allows them to offer higher interest rates on fixed annuities. Conversely, when Treasury rates decrease, the rates on fixed annuities may also decrease because insurance companies have less opportunity to earn returns on their investments. In summary, Treasury rates and fixed annuity rates are connected because both are influenced by similar market conditions and investment opportunities. Corporate bond rates and fixed annuity rates are both interest rates, and they are connected through the broader economy's interest rate environment. When a corporation issues bonds, it offers a fixed interest rate to investors in return for the investors' purchase of the bonds. The bond's interest rate is typically tied to the prevailing interest rates in the broader economy, and thus, corporate bond rates tend to move in tandem with interest rates. Fixed annuity rates, on the other hand, are offered by insurance companies to individuals looking for a guaranteed stream of income in retirement. Insurance companies typically invest the premiums they receive from their annuity holders in a variety of assets, including corporate bonds. The rate of return that an insurance company earns on its investments will, in turn, affect the interest rate it can offer on its fixed annuities. Therefore, when corporate bond rates rise, the rate of return that insurance companies earn on their bond investments also rises, and this can lead to an increase in the interest rates offered on fixed annuities. Conversely, if corporate bond rates fall, the rates offered on fixed annuities may also fall. Overall, the relationship between corporate bond rates and fixed annuity rates is a reflection of the broader interest rate environment in which they both operate. IMPORTANT INFORMATION: This material is for informational or educational purposes & is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial situation, investment objectives, or need of an individual person. Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply. All guarantees are backed by the claims-paying ability of the issuer. Available in jurisdictions where approved. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning

US Treasury Rates Are Down! How Will MYG Annuity Carriers React? A quick look a what may happen! Here are some competitive fixed annuity products as of March,13 2023, let's see what happens! 1 Year Annuity up to 4.40% 3 Year MYG Annuity up to 5.60% 5 Year MYG Annuity up to 5.40% 5 Year MYG Annuity A+ Rated rate of 5.25% (Walk-Away) 10 Year MYG Annuity up to 5.45% (Walk-Away) Links: U.S. DEPARTMENT OF THE TREASURY: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView CNBC U.S. 1 YEAR TREASURY: https://www.cnbc.com/quotes/US1Y IMPORTANT INFORMATION: This material is for informational or educational purposes & is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial situation, investment objectives, or need of an individual person. Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply. All guarantees are backed by the claims-paying ability of the issuer. Available in jurisdictions where approved. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning

Bankers Life Insurance Company Accumulated Interest Letters | Mathematical/Contractually A HUGE PROBLEM!! Agents and client contacting me with questions. Tax profession interest payments are 100% taxable. These can not be interest payments in my professional opinion. Will eat into principal. Interest rate calculate between 14% and 46% (No way I believe this) WTF is going on? I have no idea, it makes ZERO sense. LINKS: Kroll LinkedIn: https://www.linkedin.com/company/kroll/ Kroll website: https://www.kroll.com/en/services/restructuring-administration Mike Causey: https://www.ncdoi.gov/ https://www.ncdoi.gov/contact-ncdoi Withdrawal of Accumulated Interest Election Portal: https://forms.kroll.com/orbeon/fr/ra/noblecon-election-form/new "We are aware of data validation issues that are preventing certain parties from electing to receive interest payments. Our team is actively working on a resolution, and we anticipate the website will be operational by no later than March 17, 2023. If you would like to receive an automated update when the website is ready for you to proceed with making your election, please enter your email address below. We appreciate your patience, and will update you as soon as the portal is available for your use. No further information is available at this time." FAQ PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Petition%20for%20Liquidation%20FAQ%2011%201%2022.pdf North Carolina Court Approves Liquidation of Two Lindberg Insurance Companies: file:///C:/Users/Admin/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/C7Z29J2P/North%20Carolina%20Court%20Approves%20Liquidation%20of%20Two%20Lindberg%20Insurance%20Companies.pdf Filed petition for liquidation PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Petition%20for%20Liquidation%2011%201%2022.pdf State Guaranty Associations - https://www.nolhga.com/policyholderinfo/main.cfm Webpages: NC DOI Web - FAQ https://www.ncdoi.gov/bankers-life-faqs-liquidation-petition-11122 LIQUIDATION PETITION FREQUENTLY ASKED QUESTIONS - https://www.ncdoi.gov/media/4677/open Bankers Life Insurance Page: https://bankerslifeinsurance.com/ MY LINKS Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Below is a list of my videos, so far, and information on Florida Insurance commissioner. Video #1 - https://youtu.be/ilep8IRMUDk Video #2 - https://youtu.be/2yunPAke-Zg Video #3 - https://youtu.be/ExR7it2MenQ Video #4 - https://rumble.com/v1q16m1-bankers-life-refuse-86-year-old-senior-citizen-their-own-money..html Video #5 - https://youtu.be/Z7odHvzkDvw5 #bankerslifeinsurancecompany #coloradobankers #insolvent #liquidationpetition

A quick review of some competitive fixed annuity products for March 2023! 1 Year Annuity up to 4.40% 3 Year MYG Annuity up to 5.60% 5 Year MYG Annuity up to 5.40% 5 Year MYG Annuity A+ Rated rate of 5.25% (Walk-Away) 10 Year MYG Annuity up to 5.45% (Walk-Away) Sample Immediate Annuity Quotes - based on $100,000 premium Male & Female Life with 10 year certain & Life with 15 year certain Illustrated: 10% free annual withdrawals Interest Only annual withdrawals Where to get quote requests. AnnuityExperts.com for MYGA quote SPIAquote.com for immediate annuity quotes Hotlist PDF for agents: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/HotList_March_2023.pdf IMPORTANT INFORMATIONThis material is for informational or educational purposes & is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial situation, investment objectives, or need of an individual person. Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply. All guarantees are backed by the claims-paying ability of the issuer. Available in jurisdictions where approved. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning

Annuity Alternative | Annuity-Look-A-Like It looks, feels, and illustrates like an annuity! It is actually a Single Premium Whole Life product. Issue ages 45-85, Minimum face amount $50,000 Features, Uses and Sales Ideas: | Early and strong growth of cash value with liquidity options if needed. | Perfect for poorly performing non-qualified money in low interest products. | Excellent wealth transfer tool. | Early and strong cash value. | Modified Endowment Contract (MEC) Illustrated in video: Female age 70 $100,000 premium NON-Smoker Death Benefit = $176,366 Smoker Death Benefit = $160,771 Female age 60 $100,000 premium NON-Smoker Death Benefit = $221,729 Smoker Death Benefit = $190,839 Request a Life Quote: https://www.annuityexperts.com/life-insurance-quotes.html Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #lifeinsurance #SPWL #singlepremiumwholelife #ModifiedEndowmentContract #MEC

10 Year Guarantee Combo Split Annuity Illustrations February 2023 | Income & Growth Guaranteed with tax exclusion ratio. Sample Illustrations Total Premium $500,000: SPIA: Immediate Annuity Side $205,893.00 MYGA: Multi Year Guarantee Annuity Side $294,107.00 Growth and Income: Immediate Annuity Income $2,046.12 per month for 120 months Multi Year Guarantee Annuity Interest Rate 5.45% guaranteed for 10 years Premium Tax On Immediate Annuities: States which charge a premium tax will have a lower monthly income. Premium tax states include CA, CO, ME, NV, SD, TX, WY. Immediate Annuity Exclusion Ratio: Assuming 100% cost basis (previously taxed funds) the payment may only be 17.3% taxable. A $2,074.12 payment with 82.7% exclusion ratio = $1,715.29 excluded and $358.83 taxable. At a 25% tax bracket there would be $89.81 tax on each payment. $1,954.41 would be the approximate after tax income. Multi Year Guarantee Annuity taxable interest: $294,107.00 is the cost basis and $205,893 is the interest gain. The interest is tax deferred until withdrawn. After the 10th year if the annuity is surrendered/cashed out the $205,893 is fully taxable as income. If 1035 exchanged to a new split annuity, the tax deferral continues. If using a partial 1035 exchange and placing funds into a new split annuity, a prorated cost basis will be used and the income will have a lower exclusion ratio. Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.html Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity Video with Jeff Affronti #SPIA, #immediateannuities #annuitymarketing #annuityrates #annuityincome fixedannuities #jeffaffronti #annuityexperts #splitannuity #SPIA #immediateannuities #annuitymarketing #annuityrates #annuityincome #fixedannuities #jeffaffronti #annuityexperts #splitannuity #comboannuity #MYGAnnuity #multiyearguaranteeannuity #mygarates #mygarates #deferredannuities #spiaquote #periodcertain, #Taxexclusionratio

5 Fixed Annuity acronyms I use often in my videos and in my daily business. 1. SPDA (Single Premium Deferred Annuity) Have annual resetting rates | Allows only one premium deposit or limits deposits to 1 year or less. 2. FPDA (Flexible Premium Deferred Annuity) Have annual resetting rates | Allows premiums deposits in all year. Good products will not increase the early withdrawal charges. Example a 10 year initial surrender charge period with a deposit in year 7 will only have 3 years of early withdrawal charges on the full account. 3. MYGA (Muti-Year Guarantee Annuity) Primarily single premium products which guarantee the interest rate for a set period of time normally 2 – 10 years. 4. FIA (Fixed Indexed Annuity) Can be single premium or flex premium products. | Credits interest based on a specific crediting method usually link to indices of fixed rate. Usually reset credit rates annually. May reset less often in some products including full term rate locks. 5. SPIA (Single Premium Immediate Annuity) Are issued with a single premium amount. Guarantee income payments based on Life, Joint Lives or a set Period Certain time, usually 5 – 30 years. Lifetime income can also include a set period certain minimum guarantee. Income must start within 12 months. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome #fpda #spda #myga #fia #spia

States NOT approved in: AK, CT, MA, MI, ME, MO, NY, NJ, NH, TN, VA, VT, WA, WI, WV SPLIT ANNUITY VIDEO: https://youtu.be/aUPUMJEJork Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity

The message is: Do you yourself a favor, if you really want to be “safe”, have more insured “future” income in your life and not just a collection of savings accounts. Case Example: Couple #1: Male age 65, Female age 55, long term marriage Couple #2: Male age 65 Female age 55, long term marriage Couple #1 He has: IRA $100,000 (deferred annuity, mutual fund, brokerage account, bank savings accounts, T-Bonds/Bills, the “safest” on the planet, right?) Couple #2 He has: IRA $100,000 annuity (Lifetime SPIA/Pension – Male w/100% survivor to spouse - Female), producing $6,300 annually Insurance is there to protect society, the rules are different for INSURANCE because the government doesn't want to provide welfare benefits, avoid money and public services to households. That’s what immediate annuities (and also pensions) have, more favorable legal treatments. The rules exist to help keep you from going broke. Divorce/property division is just one example in a long, long string of examples why governments likes these arrangements vs. savings types of accounts. Legal Disclaimers and Litigation Economic Experience: Information is for educational and entertainment purposes and based on the personal experience of presenter. Not to be used as legal advise. LINKS: Power Point Case Sample in PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Gary-Mettler-SPIAs-Pensions-and-Marital-Proper.pdf GARY'S INFO: LinkedIn - https://www.linkedin.com/in/gmettler/ Get Gary's book at Amazon (Always Keep Your Hands Up ) https://smile.amazon.com/Always-Keep-Your-Hands-Immediate-ebook/dp/B00QGXKSFM/ref=sr_1_1?crid=SEKN5BJKTOUX&keywords=gary+mettler&qid=1652459187&sprefix=gary+mettler%2Caps%2C102&sr=8-1 Previous Videos with Gary: Stretch IRA update April 2022 - https://youtu.be/0Bby0bqXv6M The lost language of Immediate Annuities - https://youtu.be/PqacCLBK3-0 Follow Jeff: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity Video by Jeff Affronti with Gary Mettler

Fixed Annuity Beneficiary Options Owners wishes can be guaranteed day one if set up correctly in the application process. A look at: primary beneficiaries contingent beneficiaries restricted beneficiaries irrevocable beneficiary inherited stretch options death claims change of beneficiaries Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity Video by Jeff Affronti

Protect & Offer Options To Annuity Clients With Recurring Surrender Charges Flex Premium Annuities https://youtu.be/W1Ne3LWn6lQ Don't let your clients get stuck in new surrender charges at a low rate! Many (MYGA) Multi-Year Guarantee Annuities now have repeating and recurring early withdrawal surrender charges that can cause a headache for clients at the end of the initial. Here is a beautiful, simple and inexpensive concept that can give those client more time to decide what they want to do. The strong minimum interest rate guarantees in 2023 are making this concept very attractive again! #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #flexiblepremiumannuities #minimumguaranteeinterestrate

A peak behind the curtain: Combo Split Annuity Illustrations January 2023 | Income & Growth Guaranteed with tax exclusion ratio. Sample Illustrations Total Premium $500,000: SPIA: Immediate Annuity Side $387,133.00 MYGA: Multi Year Guarantee Annuity Side $112,867.00 Growth and Income: Immediate Annuity Income $2,046.12 per month for 60 months Multi Year Guarantee Annuity Interest Rate 5.25% guaranteed for 5 years Premium Tax On Immediate Annuities: States which charge a premium tax will have a lower monthly income. Premium tax states include CA, CO, ME, NV, SD, WY. Immediate Annuity Exclusion Ratio: Assuming 100% cost basis (previously taxed funds) the payment may only be 8.1% taxable. A $2,046.12 payment with 91.9% exclusion ratio = $1,880.38 excluded and $165.74 taxable. At a 25% tax bracket there would be $41.44 tax on each payment. $2,004.68 would be the approximate after tax income. Multi Year Guarantee Annuity taxable interest: $387,133..00 is the cost basis and $112,867 is the interest gain. The interest is tax deferred until withdrawn. After the 5th year if the annuity is surrendered/cashed out the $112,867 is fully taxable as income. If 1035 exchanged to a new split annuity, the tax deferral continues. If using a partial 1035 exchange and placing funds into a new split annuity, a prorated cost basis will be used and the income will have a lower exclusion ratio. Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.html Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity Video with Jeff Affronti #SPIA, #immediateannuities #annuitymarketing #annuityrates #annuityincome fixedannuities #jeffaffronti #annuityexperts #splitannuity #SPIA #immediateannuities #annuitymarketing #annuityrates #annuityincome #fixedannuities #jeffaffronti #annuityexperts #splitannuity #comboannuity #MYGAnnuity #multiyearguaranteeannuity #mygarates #mygarates #deferredannuities #spiaquote #periodcertain, #Taxexclusionratio

5 Fixed Annuity Features That Will Be Popular In 2023... 1. Accumulation Guarantees Currently: - 3 & 4 Year annuities between 4.90% and 5.00% - 5 & 6 Year annuities between 5.00% and 5.40% - 7 Year annuities between 5.10% and 5.50% - 8-10 Year annuities not as attractive as shorter terms 2. Guaranteed Income Options What is hot: - Interest Only Withdrawals (accumulation values & DB remain steady) - Free withdrawal provision (built in even at higher rates, 5% - 15%) - Immediate Annuities (Single or Joint Lives, period certain for laddering) - Split Annuities (advantage to non-qualified funds and the knowledge of exclusion ratio) 3. Carrier ratings, history and longevity What I feel should be looked at beyond ratings: -Ratings are just a stating point (Be aware of how long a carrier has had a rating) - Check multiple ratings agencies (AM Best, Weiss, S&P, + Comdex) - Total carrier admitted assets (under $1 billion or $10’s of billions) - History (Has the carrier has a recent upgrade or downgrade) - Devotion to the annuity product line (Does the carrier have a vested interest in annuities, VOYA) - Primary product line (FIA – MYGA – SPIA or nice combination 4. An increase in the contractual minimum guarantees (THIS IS HUGE – BIG NEWS HERE!) This is HUGE: - A popular walk-Away MYGA will be at 2.75% for 2023 (So liquid in 3 years at no less than 2.75%) - Other FIA and Deferred at 2.80% - Be sure to check the minimum guarantees on all product with exit windows 5. Tax Exclusion Ratios and Tax Deferral More interest = more taxable: - When rates are below 1% - Taxable gain at the end of year may not be felt to bad - Now rate have increase 5 fold and so will that taxable interest! - Use a deferred annuity to defer those taxes - Use an immediate or Combo/Split annuity defer and get some income with a tax exclusion ratio Shop That Annuity! Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome by: Jeff Affronti California Insurance License #0B91910 & #0B67385

What to expect when doing a fixed annuity application. Forms required to purchase an annuity & what they are for. 1. The annuity application and beneficiary info 2. The product disclosure form 3. The Suitability form regarding financial disclosure and replacement comparison, if replace another annuity of life insurance policy. 4. Age 65 and over disclosure 5. Replacement notice 6. Notice of in-home meeting for age 65 7. Direct deposit if interest income 8. Transfer tax free exchange or roll-over form 9. Trust documents if trust is to be owner/beneficiary Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #incomeforlife #mygarates #insurance #lifeinsurance #fixedannuity #financialservicesdivision #spiaquote #immediateannuities #annuityincome #clientoriented #retirementincome #annuity #annuityquotes #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #lifetimeincome #fsdfinancial #financialplanning #indexedannuity #indexannuity #FIA #withdrawalbenefit #annuityrates #agourahillsannuity #annuityapplications

Sometimes hardest part is getting started. Here is a quick review of the steps needed for a life licensed agent to begin offering Fixed Annuities. What you should have in place first: A. Your life insurance license issued by you state of residence B. Error and Omissions coverage life insurance and annuities First steps: #1 Complete any state specific annuity continuing education requirements #2 Complete the insurance company appointment/licensing paperwork #3 Complete the insurance company product specific training #4 Register with the insurance companies web site (optional / if available) #5 Access to the insurance companies product materials, illustration software and new business forms. Continuing education link: https://www.webce.com/ Follow me: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity

Will the 5% MYG Annuity rate disappear or stay around? Some of the higher 5% annuity rates have already reduced. Will other follow in January 2023? Who knows!!! Links: U.S. DEPARTMENT OF THE TREASURY Daily Treasury Par Yield Curve Rates: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value=2022 Federal Reserve Bank of St. Louis Moody's Seasoned Baa Corporate Bond Yield: https://fred.stlouisfed.org/series/BAA Federal Reserve Bank of St. Louis on LinkedIn: https://www.linkedin.com/company/stlouisfed/ My Links: Follow me: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate

A fixed index annuity (FIA) can offer a shot a better returns than traditional fixed rate annuities. Upside potential with down side principal guarantees. An FIA with an annual reset will lock in any credited gain each year and reset the index as well. Now that rates have increased the FIA has become more attractive to clients who are okay with the risk of earning less than a tradition Multi Year Guarantee Annuity (MYGA) for the potential to earn more. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity Fixed Indexed Annuity Quotes - https://fixedannuitiesandlife.com/fia-quote-request #annuitymarketing #incomeforlife #mygarates #insurance #lifeinsurance #fixedannuity #financialservicesdivision #spiaquote #immediateannuities #annuityincome #clientoriented #retirementincome #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #lifetimeincome #fsdfinancial #financialplanning #indexedannuity #indexannuity #FIA #withdrawalbenefit #annuityrates #agourahillsannuity

Beware of false or misleading advertising in annuity ads, social media or in emails. Here is a problem I had to solve for a client who was subject to a misleading and false solicitation ad. Same product I showed them, only I was honest on how it work and the true interest rate and how it worked. How a 5.60% APY was presented as a 6.25% and caused me a bunch of extra work. Why couldn't this agent compete on the same level as all the rest of us is the question. The agent has to use tricks to compete. That is not ethical at all. If it sound to good to be true and much better than all other options it probably has a catch or is not true. Ask questions, ask around. Call the company, call other agents. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

Best Minimum Guarantee In A Quality MYG Annuity Today! As rates increase the strongest underlying guarantees have the ability to can increase too as well. In this example the minimum contractual guarantee has increased to 2.95%. Illustrated are 4 options: #1 - 10 years fixed rate of 4.90% #2 - 10 years fixed rate of 4.90% with annual interest withdrawals at the end of year 2 #3 - 5 years at 4.85% then renewing at the minimum of 2.95% for 5 years #4 - 6 years at 4.90% then renewing at the minimum of 2.95% for 4 years Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

December 2022 - Quick Annuity Update - Multi-Year Guarantee Annuity _ Fixed Indexed Annuities My Favorite Index Annuity Crediting Method December 2022 - https://youtu.be/ScwM8Njd1TE The Single Life Immediate Annuity - https://youtu.be/vf2MIR5edcs #annuitymarketing #incomeforlife #mygarates #insurance #lifeinsurance #fixedannuity #financialservicesdivision #spiaquote #immediateannuities #annuityincome #clientoriented #retirementincome #annuity #annuityquotes #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #lifetimeincome #fsdfinancial #financialplanning #indexedannuity #indexannuity #FIA

Happy Thanksgiving 2022 | Hope you all have a wonderful, fun and safe time with family and friends!

My pick for the best overall MYGA (Multi-Year Guarantee Annuity) I have seen in over a dozen years! 5 year rate guarantee (5.25% as of 11/23/22 and subject to change) 10% free withdrawals Higher minimum guarantee after initial term of 1.80% Full death benefits No MVA No Repeating Surrender Charges Issues to age 85 Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity

A quick note on what not to say, or better yet, how to ask for what you want/need in a fixed annuity. Follow: YouTube - https://www.youtube.com/@annuityexperts Facebook - https://www.facebook.com/annuityexperts/videos/ LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ Twitter - https://twitter.com/MrFixedAnnuity #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome