AnnuityExperts.com

1 of the strongest question to ask when shopping Fixed Annuities. All Fixed Annuities will have an end of term minimum guarantee! Assumed/non-guaranteed and guaranteed accumulation value columns are on most annuity illustrations. A Multi-Year Guarantee Annuity (MYGA) will have matching values in these two columns until the end of the guarantee/surrender period. Unfortunately, not all MYGA carriers offer illustrations. The guaranteed values on a MYGA may still show a surrender charge if a 30 day exit window exists. However, those surrender charges will be waived during that window and the accumulation value will be available. After that window expires, the surrender charges will apply again and the rate will never be less than the contractual minimum guaranteed rate. Most Fixed Indexed Annuities (FIA) do have illustrations and outline the minimum guaranteed values at the end of the surrender period. The non-guaranteed accumulation values are sometimes called the hypothetical or assumed values. The strongest guarantee in any fixed annuity is the contractual minimum guarantee. These currently range for 2.00% all the way down to 0.10%. A big spread there. The hypothetical values are the sizzle and the guaranteed values are the steak! 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 Immediate Income Quotes - https://www.annuityexperts.com/spia-quotes.html Deferred Income Quotes - https://fixedannuitiesandlife.com/fia-quote-request Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.html Fixed Indexed Annuity Quotes - https://fixedannuitiesandlife.com/fia-quote-request#367c9dc7-9f5e-4d7c-b9b1-aa6b4e3afaaa Life Insurance Quote: https://www.annuityexperts.com/life-insurance-quotes.html #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

The split annuity is a way to get a guaranteed income for a set period of time that can be mostly tax excluded. In this example a $500,000 premium will guarantee: Part 1: $119,240.00 premium to an immediate annuity $2,183.09 per month of income for 60 months at up to 90% tax exclusion. Part 2: $380,760.00 premium to a Multi-Year Guarantee Deferred Annuity 5.60% guaranteed interest rate for 5 years will grow to return $500,000 Part 1 taxable: Assuming 100% cost basis (previously taxed funds) the payment may only be 10% taxable. A $2,183.09 payment with 90% exclusion ratio = $1,964.78 excluded and $218.30 taxable. At a 25% tax bracket there would be $54.57 tax on each payment. $2,128.51 would be the after tax income. Part 2 taxable: $380,760.00 is the cost basis and $119,240 is the interest gain. The interest is tax deferred until withdrawn. After the 5th year if the annuity is surrendered/cashed out the $119,240 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. Assuming the same rates the new cost basis on the immediate annuity side would be about $87,400 and give an exclusion ratio of about 66%. 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 Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.html #SPIA #immediateannuities #annuitymarketing #annuityrates #annuityincome #fixedannuities #jeffaffronti #annuityexperts #splitannuity #comboannuity MYGAnnuity #multiyearguaranteeannuity #mygarates #MYGA

Immediate Annuity Longevity Annuities Lifetime Income Annuity With Increasing Payments Cost Of Living Adjustment (COLA) When is the breakeven point. Why do most people take the non-increasing income payments. SAMPLE - Male age 60 $1,000 per month increasing 3% Annually premium cost = $227,174.35 $1,000 per month with NO Annually premium cost = $164,754.14 Breakeven incomes are equal in 11 years Total returns are equal in year 22 COLA's for NON_Qualified funds, after tax money works best. Qualified fund will have limitations and restrictions. 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 Immediate Income Quotes - https://www.spiaquote.com/get-a-quote.html #guaranteedincomeannuity #clientoriented #bestinterest #lifetimeincome #4percentrule #fourpercentrule #costoflivingadjustment #COLA #SPIA #immediateannuities #annuitymarketing #annuityrates #incomeforlife #inflationprotection #fixedannuities #cashrefundannuity #noloadannuity #ria #imo #annuitycommission #jeffaffronti #annuityexperts

WOW INCREASE in in MYG Annuity Fixed Compounding Rates | 5.60% for 5 Years (31.31% gain in 5 years)* | 5.40% for 4 Years (23.41% gain in 4 years)* | 5.30% for 3 Years (16.75% gain in 3 years)* *Assumes no withdrawals Details : https://fixedannuitiesandlife.com/6-year-myga-gi Agent Kits: https://fixedannuitiesandlife.com/6-year-myga-gi#3cdbc86d-e328-4339-be0e-45e726491af5 Company Ratings: A- by A.M. Best Choose an Interest Rate Guarantee Period: 3 Year Term: 5.30% (Premiums $250,000+) 5.30% (Premiums $100,000 - $249,999+) 5.20% ($10,000 - $99,999) 4 Year Term: 5.40% (Premiums $250,000+) 5.40% (Premiums $100,000+) 5.30% ($10,000 - $99,999) 5 Year Term: 5.60% (Premiums $250,000+) 5.60% (Premiums $100,000+) 5.50% ($10,000 - $99,999) Issue Age: 3-5 Year to age 100 6-10 Year to age 90 States NOT approved in: AK, HI, ME, NY Free Withdrawal: 5% of previous anniversary | RMD Friendly Death Benefits: Full Death Benefit 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

This month I look at: | MYG Annuity rates that do NOT have a repeating surrender charge. | Lifetime income annuity payments monthly starting in 1 month based on $100,000 premium | Monthly interest only withdrawals on $1,000,000 at 5.00% interest rate | How to get quotes MYGA and SPIA HotList link: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/HotList_November_2022.pdf MYG Annuity rates | 3 years = 4.80% | 5 years = 5.25% | 7 years = 5.35% Immediate Annuity lifetime income quotes Life With 10 Year Certain $100,000 premium: Male 60 = $605.77 | $7,269.24 Annually Male 65 = $657.85 | $7,894.20 Annually Male 70 = $728.27 | $8,739.24 Annually Male 75 = $812.26 | $9,747.12 Annually Female 60 = $591.96 | $7,103.52 Annually Female 65 = $636.29 | $7,635.48 Annually Female 70 = $704.32 | $8,451.84 Annually Female 75 = $783.09 | $9,397.08 Annually Life With 10 Year Certain $100,000 premium: Male 60 = $596.58 | $7,158.96 Annually Male 65 = $639.96 | $7,679.52 Annually Male 70 = $696.61 | $8,359.32 Annually Male 75 = $747.63 | $8,971.56 Annually Female 60 = $584.86 | $7,018.08 Annually (Corrected from video error) Female 65 = $622.69 | $7,472.28 Annually (Corrected from video error) Female 70 = $678.08 | $8,136.96 Annually Female 75 = $731.64 | $8,779.68 Annually Interest ONLY withdrawals $1,000,000 premium Start immediately on a monthly basis = $48,889 annually Start after one year on a monthly basis = $51,334 annually 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 Illustration Request: MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Immediate Income Quotes - https://www.annuityexperts.com/spia-quotes.html #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred

Just a fun exercise into the reasoning on why people may take the lump sum over annual payments. How part of a lump sum can be turned into an annual income. Cost to fund a $250,000 ($125,000 per company) annual income for a guaranteed 20, 25 or 30 years! 30 Years: Cost $3,804,621.01 | Guaranteed return $7,500,000 25 Years: Cost $3,513,098.38 | Guaranteed return $6,250,002 20 Years: Cost $3,131,348.48 | Guaranteed return $5,000,001 Links: CALIFORNIA LOTTERY - https://www.calottery.com/ Lottery Calculator - https://www.omnicalculator.com/finance/lottery-tax SPIA Quote Request: https://www.spiaquote.com/get-a-quote.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/ #clientoriented #bestinterest #lifetimeincome #4percentrule #fourpercentrule #costoflivingadjustment #COLA #SPIA #immediateannuities #annuitymarketing #annuityrates #incomeforlife #exclusionratio

Immediate Annuities Income rates ARE UP BIG Payout rates as of 11/04/2022 are subject to change in the future. Check out current pricing per $100,000 of premium for Single Life Income, Joint & Survivor Income and Fixed Period ONLY income payouts. Shop That SPIA – Immediate Annuity pricing can vary widely. Why trust just one source with a choice that will last a LIFETIME? Since 1996 I have been wholesaling immediate annuities daily. Options, payout timing, carrier quality and pricing can vary by 25%. Age, state of residence and other factors are used in pricing payments. Thinking of a using SPIA's? Are you aware of all the beneficiary and refund options? Cash refund, period certain and others are available. Do you know what an exclusion ratio is? Non-qualified payments may also include a tax exclusion ratio since part of the payment is a return of premium. Do you understand commutation? How it works? How long it is available? How expensive it is to use? Liquidity in an immediate annuity can be complicated and varies by carrier. In need of guaranteed lifetime income? An immediate annuity should be one the list of products. Just make sure it is the right immediate annuity. Get a SPIA quote: https://www.spiaquote.com/get-a-quote.html Immediate annuities are insurance products and guaranteed by the claims paying ability of the insurance carrier issuing the contract. Feel free to reach out with any Immediate Annuity questions. Jeff Affronti Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/ #immediateannuities #SPIAquotes #fixedannuity

Imagine if commission MYG Annuity products were allowed to show their rates BEFORE the commission is calculated! RIA Fee Based Annuity Advertising vs Commission Annuities What variables must be known to compare rates and yield to term on an apples to apples basis. What is better 5.50% rate fee based or 5.15% with a commission? When is 5.50% better than 5.15%? When is 5.15% better than 5.50%? Why transparency is so important. Buyer beware! 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/ #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #RIA #feebased

Bankers Life | Colorado Bankers | Liquidation Petition | FAQ | Links | State Guaranty Associations 11/01/2022 LINKS: FAQ PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Petition%20for%20Liquidation%20FAQ%2011%201%2022.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 #bankerslife #coloradobankers #insolvent #liquidationpetition

There is more to a Fixed Annuity than just the numbers on a rate sheet. 6.00% Simple Interest = 5.39% 5.25% Compounding Interest = 5.25% Doing the math 5.25% compounding interest rate: $645,773.95 Future Value $500,000.00 Present Value 5 Year Term $0.00 payments = 5.25% Interest Rate Yield To Term Doing the math 6.00% simple interest rate: $650,000.00 Future Value $500,000.00 Present Value 5 Year Term $0.00 payments = 5.39% Interest Rate Yield To Term 6.00% sure sounds better though! What else do I look at before offering or marketing a product, watch and see! | Financial ratings history | Contractual minimum guarantee | Surrender / Withdrawal charges | Product features | Free withdrawal provisions & beneficiary death benefits MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.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/ #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

Quick update focused on the top short term fixed MYG Annuity rates! Why the top 5 year MYGA with a non-MVA surrender is such a treat from past products with repeating surrender charges and limited client friendly features. MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.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/ #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

My opinion. What do you all think? They have no updates since 8/2022 Links: Previous video: Bankers Life Ignores Hardship - https://www.youtube.com/watch?v=ilep8IRMUDk Bankers Life - Post ignore video update! - https://youtu.be/2yunPAke-Zg Bankers Life #3 Clients no longer people, just a MACRO! A cold, unfeeling, & unforgiving algorithm - https://youtu.be/ExR7it2MenQ BLIC Email domain - https://www.actmanre.com/ Rehabilitator report - https://cblife.com/forms/Quarterly_Report_8_22.pdf All Quarterly Rehabilitation Reports - https://cblife.com/quarterly-rehabilitation-reports/ Greg Lindberg - From Wikipedia, the free encyclopedia https://en.wikipedia.org/wiki/Greg_Lindberg Follow: YouTube - https://lnkd.in/ge72cSUy Facebook - https://lnkd.in/guVpzvmK LinkedIn - https://lnkd.in/gdg27Det Rumble - https://lnkd.in/g2XnsbNU Instagram - https://lnkd.in/gCjEqVk4 #coloradobankers #bankerslifeannuity #bankerslife #northcarolinainsurance #hugefail #insensitive #duress #outofsurrender #fixedannuity #receivership #insurancecompanyrehabilitation

How do you discuss the MYG Annuity? Do you ask these questions? - How much are you hoping to earn in the market after 5 years? - Would you take a 28.54% gain after 5 years if it was available now? - Would you like to make $142,711 of interest gains in 5 years from your $500,000 investment? - Are you OK with tax deferral on your interest until you withdraw it? MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ Rumble - https://rumble.com/c/c-1096761 Instagram - https://www.instagram.com/annuityexperts/ #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning

Payout rates as of 10/19/2022 are subject to change in the future. Check out current pricing per $100,000 of premium for Single Life Income, Joint & Survivor Income and Fixed Period ONLY income payouts. Shop That SPIA – Immediate Annuity pricing can vary widely. Why trust just one source with a choice that will last a LIFETIME? Since 1996 I have been wholesaling immediate annuities daily. Options, payout timing, carrier quality and pricing can vary by 25%. Age, state of residence and other factors are used in pricing payments. Thinking of a using SPIA's? Are you aware of all the beneficiary and refund options? Cash refund, period certain and others are available. Do you know what an exclusion ratio is? Non-qualified payments may also include a tax exclusion ratio since part of the payment is a return of premium. Do you understand commutation? How it works? How long it is available? How expensive it is to use? Liquidity in an immediate annuity can be complicated and varies by carrier. In need of guaranteed lifetime income? An immediate annuity should be one the list of products. Just make sure it is the right immediate annuity. Get a SPIA quote: https://www.spiaquote.com/get-a-quote.html Immediate annuities are insurance products and guaranteed by the claims paying ability of the insurance carrier issuing the contract. Feel free to reach out with any Immediate Annuity questions. Jeff Affronti Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/ #immediateannuities #SPIAquotes #fixedannuity

Rates as of 10/17/2022 and are subject to change. California rates are often lower than in other states. This is just one reason why this MYGA (Multi-Year Guarantee Annuity) stands out. Other reasons: | Very client friendly | Full Death Benefit | 10% Free Withdrawals | NO MVA (Market Value Adjustment) | Walk-Away (no repeating early withdrawal surrender charges) | A+ Rated Company (by AM Best Company) | 5 year interest rate guarantee (currently 5.15%) | 5 Year surrender charges 7%, 7%, 7%, 6%, 5%, 0% thereafter | Nice minimum guarantee rate after initial 5 years of 1.80% | Minimum Premium is $100,000 | Maximum Premiums $2,000,000 (0-70) $1,500,000 (71-75) $1,000,000 (76-80) $500,000 (81-85) | Issue Age: 0-85 | States NOT approved in: AZ, MD, MT, NJ, NC, NY, OK, OR, WA Agent contracting: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/LSW_agent_contracting_current.pdf Client Brochure: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/LSW%20Secure%205%20brochure%2010%2012%2022.pdf Insurance company ratings: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/LSW-Ratings.pdf Agent use PowerPoint: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/LSW-Ratings.pdf Agent product page: https://fixedannuitiesandlife.com/5-year-nat-life-lsws MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/ #annuitymarketing #incomeforlife #mygarates #insurance #lifeinsurance #fixedannuity #financialservicesdivision #spiaquote #immediateannuities #annuityincome #clientoriented #retirementincome #annuity #annuityquotes #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents

Special thanks to Raymond Taylor! Ray's contact info: - LinkedIn: https://www.linkedin.com/in/raymondjtaylor/ - Sagicor Sample Illustration: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Sagicor-SPIUL-Sample.pdf - Sagicor carrier info: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Sagicor-At-A-Glance.pdf Wealth Care is its name | Client friendly is the game! - One of oldest operating companies in the Americas - Asset in clients portfolio since a full return of premium from day 1 - Unique product in industry - Clients need care? Chronic illness rider fast, easy claims process pays benefits where other won’t! - Accelerated underwriting (one of the first in the marketplace) - Automated underwriting engine can give a decision in a few minutes. - E-app E delivery Digital signatures (Super easy) - Lot of opportunity for growth - Good solution for lazy money - Help client with chronic care take money out - 100% ROP wrapped into a death benefit - No Face to Face required - No telephone interview or senior supplement - Accelerated death benefit 2 of 6 activities (see case study) - Blackrock iShares linked index options - S&P 500 link options - Fixed rate option - Sample scenario with Jenny and Mike Requests: Life Insurance Quote: https://www.annuityexperts.com/life-insurance-quotes.html Follow Jeff Affronti: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/

LIFE ONLY LICENSED AGENTS Fixed Annuity Hot List Oct. 2022 | MYG Annuity hits 5.15% for 7 years | Income annuities increase! AGENT ONLY Hotlist PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/HotList_October_2022.pdf MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Immediate Income Quotes - https://www.annuityexperts.com/spia-quotes.html Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/

A rebranding introduces a new name to our Fixed Annuity marketplace. I reviews and react to the new brand name, logo design and unbox a gift we received. Look at the new logo on the brochures. Discuss the quality of the carrier and who they were in the past! Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/ #greatamericanlife #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome

Life Insurance Licensed AGENTS! Everything is up! | Higher rated carriers | Higher income payments | Higher fixed rates | Higher commission 7 Year surrender term with NO rolling surrender charges. This one is completely liquid after the 7th year. NO 30 day window headaches! #splitannuity #comboannuity #MYGA #SPIA | Top quality carrier | Guaranteed income | Exclusion ratio | Guaranteed interest rates | Nice commission | 7 year walk-away Split annuity quote request: https://lnkd.in/gPgjpjUC Follow: YouTube - https://lnkd.in/ge72cSUy Facebook - https://lnkd.in/guVpzvmK LinkedIn - https://lnkd.in/gdg27Det Rumble - https://lnkd.in/g2XnsbNU Instagram - https://lnkd.in/gCjEqVk4 #annuitymarketing #incomeforlife #mygarates #insurance #lifeinsurance #fixedannuity #financialservicesdivision #spiaquote #immediateannuities #annuityincome #clientoriented #retirementincome #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement

Quick update, basically everything is up. So many changes, so fast it will take me a couple days to get everything mentioned. So, stay tuned! October is going to be fun! MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/

Help! Swap bar mount broke. What can be done to fix it and keep as original as possible. Any ideas or comment welcome. The Part - https://www.partsgeek.com/catalog/1974/porsche/911/suspension/sway_bar_bracket.html VIDEO LINKS: Replacing a Broken Swaybar on a Porsche 911 - https://youtu.be/OQq3-v3ESdY Rear Sway Bar Mount Reinforcement Kit Installation for Porsche 911 - https://youtu.be/tC-iecrQwUA Porsche 911 rear sway bar bush - https://youtu.be/J8SSAy-2jWg EXTREME REPAIR - Broken Sway Bar Mounts On Your Porsche 911 - https://youtu.be/uz4RoEjUxfw

I haven't seen Multi-Year Guarantee Annuities (MYGA) with rates at 5% in a very long time. The best rate I see as of today is a 4 year MYGA with a rate of 5.80% Year 1 and then 4.80% years 2, 3 and 4. Let's see how many carriers raise rates to this 5% range. IMPORTANT INFORMATION This material is for informational, educational & entertainment purposes. It 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 insurance 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 for early or excess withdrawals. All guarantees are backed by the claims-paying ability of the issuer. Products are available only in all states where approved.

A call from the rehabilitation committee, I learned they are basically just doing data entry. Clients are no longer people, just a MACRO! A cold, unfeeling, insensitive and unforgiving Excel spreadsheet algorithm decides how much a client can have of their OWN money. Remember that suitability form and replace comparison submitted with the application? Yes! Well, all that is NOT included in the MACRO algorithms that will determine a client "Hardship"! Is Bankers Life and North Carolina setting a new precedent here. Allowing breach of contract to help an insurer and hurt/punish the insured. Is this just a furthering the profit over people? The transferring of risk from the insurer to the insured? Sure looks this way. SHADY BUSINESS! Links: Previous video: Bankers Life Ignores Hardship - https://lnkd.in/e5giYB-B Previous video: Bankers Life Post ignore video UPDATE! https://youtu.be/2yunPAke-Zg Rehabilitator report - https://lnkd.in/edN_tauG All Quarterly Rehabilitation Reports - https://lnkd.in/enqunjBU Greg Lindberg - From Wikipedia, the free encyclopedia https://lnkd.in/ePE2tMuw BLIC Email domain - https://www.actmanre.com/ Follow: YouTube - https://lnkd.in/ge72cSUy Facebook - https://lnkd.in/guVpzvmK LinkedIn - https://lnkd.in/gdg27Det Rumble - https://lnkd.in/g2XnsbNU Instagram - https://lnkd.in/gCjEqVk4 #coloradobankers #bankerslifeannuity #bankerslife #northcarolinainsurance #hugefail #insensitive #duress #outofsurrender #fixedannuity #receivership #insurancecompanyrehabilitation

Bankers Life - Post ignore video update! They finally contact me and it's not pretty! #rehabilitationcommittee is truly causing the hardship. 4 to 6 weeks time frame is now 3 months and still being told 4 - 6 weeks. INSANE! Links: Previous video: Bankers Life Ignores Hardship - https://lnkd.in/e5giYB-B Rehabilitator report - https://lnkd.in/edN_tauG All Quarterly Rehabilitation Reports - https://lnkd.in/enqunjBU Greg Lindberg - From Wikipedia, the free encyclopedia https://lnkd.in/ePE2tMuw BLIC Email domain - https://www.actmanre.com/ Follow: YouTube - https://lnkd.in/ge72cSUy Facebook - https://lnkd.in/guVpzvmK LinkedIn - https://lnkd.in/gdg27Det Rumble - https://lnkd.in/g2XnsbNU Instagram - https://lnkd.in/gCjEqVk4 #coloradobankers #bankerslifeannuity #bankerslife #northcarolinainsurance #hugefail #insensitive #duress #outofsurrender #fixedannuity #receivership #insurancecompanyrehabilitation

Why is there trust in insurance companies for some sorts of insurance but a total lack for others? Life, Health, Auto & Home insurance are all thought of as a must have, a necessity and OK to be with an insurance company. However, when it comes to the financial products of fixed annuities, the trust disappears and fear, distrust and negative press are prominent. Why is this? MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Follow: YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos 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/ #annuitymarketing #mygarates #insurance #clientoriented #fixedannuity #deferredannuity #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #bankrates #savingsrate #fsdfinancial #financialplanning #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred #californiaannuity #cdrates #retirementplanning #GuaranteedLifetimeIncome