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Annuity Rates Now vs Then 2022 vs 2008 How the 10 yr Treasury rates and MYG Annuity rates vary over time. I look back at my September and October 2008 marketing pieces and how rates today compare to the last time Treasury rates were at this level. Check it out! Where is my 1 year annuity insurance companies? Join our AGENT email list: https://visitor.constantcontact.com/manage/optin?v=001DHL4fuLXGflMc258Q5zjxXlL2RikRV0tblEXldKzrjyX-Uiv9bjs0X2U6tj8VU6PIU05HdRwSOL5A4uCfkXu7fy1Y3tjzMqa 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

SHADY BUSINESS - Bankers Life FAILS AGAIN - 86 year old client's hardship withdrawal being IGNORED! We are supposedly at the top of the list so that logically means no one has been helped in 3 weeks. Horrible work by North Carolina Commissioner abandoning policy owners for what? This needs to be looked into by an independent investigator, IMO! What is surplus for if not to pay claims? How do we get the clients needs met when we are lied to and ignored? Bankers Life COLORADO BANKERS LIFE INS CO A week does not have 30 days in it! 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 #bribery #conspiracy #wirefraud #bankerslife #coloradobankers #annuity #hardship #ignored

Best MYG Annuity Illustrations. How can illustrations be better for agent and clients? Why accumulation and cash surrender may NOT match at end of term. - 30 day windows and surrender charges. - How to and how not to illustrate a MYGA. - One company knows what is up! - Questions can be avoided if illustrations are done great! - Walk Away vs Exit window. MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html Follow: 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

$500,000 premium - Allocate $347,852 to MYG Annuity @ 4.65% - Allocate $152,418 to Immediate Annuity for a monthly income of $1,828.88. - After 8 years the MYG Annuity is worth $500,000 - After 8 years the Immediate Annuity will have paid out $175,572.48. Assumes a non-premium tax state. No withdrawals are taken form MYG Annuity and funds are 100% cost basis. Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.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/ 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. #splitannuity #clientoriented #bestinterest #lifetimeincome #4percentrule #fourpercentrule #costoflivingadjustment #COLA #SPIA #immediateannuities #annuitymarketing #annuityrates #incomeforlife #inflationprotection #fixedannuities #cashrefundannuity #noloadannuity #ria #imo #annuitycommission #jeffaffronti #annuityexperts

Is the dealership going to do what they said, the right thing or is making 1,000s in profit off bed product the only way they make deals? or is sending someones child off in a possibly unsafe vehicle just part of a days work? We will find out! #fordmustang

Peace of mind can come in many forms. A guaranteed income is certainly one of them. As a father, I understand the desire to keep your children protected. Imagine if you could know, now that your child had some sort of guaranteed base income for the rest of their life. Would that give some peace of mind? How about the ability to give your child a check for their birthday even after you are long gone? All this can be done using a guaranteed insurance contract. In this video, I explore a father age 60 securing a lifetime for his 18 year old daughter. An income he can use while he is alive and will pass on to his daughter at his death or anytime he chooses before that. Income for as long as EITHER is alive with no less that 30 years if they both are deceased prior to 30 years. JOINT LIFETIME INCOME: Dad gets $23,335.88 annual income from the $500,000 premium. When dad passes, daughter gets $23,335.88 for the rest of her life. The minimum guaranteed return is $700,076.26 form day 1. If 18 year old lives to 70 total income received would be $1,213,465 If 18 year old lives to 80 total income received would be $1,446,824 If 18 year old lives to 90 total income received would be $1,680,183 These contracts have NO cash value and can not be lapsed, sold or cashed out! Once the insurance carrier has the money it only come back as a payment stream. So, if you are looking at this idea, be sure it is money you can lock up for life because if it's not, you lose that peace of mind and are only getting percentage of that money back each year. In other words, make sure their is enough left to handle any foreseeable or unforeseen expensive that may arise over a 20+ year period of time. Immediate Income Quotes - https://www.spiaquote.com/get-a-quote.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/ #immediateannuities #SPIAQuote #fixedannuities #incomeforlife #lifetimeincomeannuity #annuities #annuityincome #jointlifeincome

3 types of Fixed Annuity Withdrawals & how they work for income, cashing out & beneficiary benefits. Know your annuities and the options they allow. - No Access - Limited Access - Timed Access - Guaranteed Access - Very risky, can lose money (LIFE ONLY) - Fully guaranteed gains (Life with long term period certain) - Penalties (surrender charges & pre 59&1/2 withdrawals) - Beneficiary guarantees and benefits LIFETIME IMMEDIATE ANNUITY $500,000 Premium No Cash Value / No Access Return of the $500,000 is based on income payments received Could lose premium (Life Only, Period certain not long enough to recover premium) Could guarantee a return of premium (Refund options, cash and installment) Could guarantee a gain (Long term Life + 20) Death Benefit is based date of death and any remain guarantees, not going to be $500,000 lump sum. COMBO/SPLIT ANNUITY $500,000 Premium Cash Value on accumulation (MYGA) side / No Access on Income (SPIA) Side Return of $500,000 is guaranteed on accumulation side (assuming no withdrawals) Could lose premium (Only if client violates provision agreed to) Will guarantee a return of premium (Held to term accumulation will = $500,000) Death Benefit is based date of death and any remain payments, $500,000 lump sum if beneficiary is able to hold to term. Cash out with $500,000 at end of term DEFERRED ANNUITY INTEREST ONLY WITHDRAWALS $500,000 Premium Cash Value accessible Return of $500,000 is guaranteed (assuming no withdrawals above interest earned) Could lose premium (Only if client violates provision agreed to) Death Benefit is based date of death, $500,000 lump sum to named beneficiary Cash out with $500,000 at end of term

Happy Labor Day 2022 Annuity People!

It's Life Insurance Awareness Month. Do you think about getting life insurance? Have you look at how much coverage you will need? Was it to expensive? Did you stop shopping? Maybe it is better to back into your coverage amount based a a budget you know is affordable. That way you can have some coverage for your loved ones and a little peace of mind for yourself. We are here to help, call or click! https://www.annuityexperts.com/

It's Life Insurance Awareness Month! Life Insurance Quote: https://www.annuityexperts.com/life-insurance-quotes.html Life Commission Info: https://fixedannuitiesandlife.com/life-insurance-commission #lifeisgreat

One of, if not the simplest, crediting methods available inside a Fixed Indexed Annuity (FIA) The Simple Index Annuity Credit Method AKA Performance Triggered FIA. Even or Up and client gets trigger rate! It's that simple! Past Video: My Favorite FIA Crediting Method - https://youtu.be/ScwM8Njd1TE Quote Requests: Get an FIA illustration - https://fixedannuitiesandlife.com/fia-quote-request

Agent quick rate update for September 2022 Need a 4.00% rate guarantee, well the are available on the MYGA! Rates not approved in all states, call or click for details. 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/ Quote Raquests: 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 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.

Funding A Fixed Annuity | Premium Types Allowed Non-Qualified Annuity Contracts Can Be Funded (After tax money) Check From Checking Account (Cashiers Check Not Often Allowed) VIA Wiring Instructions 1035 Tax Free Exchange Non-Qualified Transfer Issued as: Non-Qualified Inherited Non-Qualified Qualified Annuity Contracts Can Be Funded (Pre-tax money) Direct Rollover Direct Transfer Wire Transfer Indirect Rollover - 1 Per Year Rules Issued as: Traditional IRA Inherited IRA Roth IRA Sep IRA Qualified Retirement Plan (401K, Pension, PSP, 403b) Quote Requests: 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 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/ #Annuitypremium #fixedannuity #mygannuity

Non-Commission Fixed MYGA vs Commissionable Fixed MYGA Know the math & Help the client. Fee only annuities! Annuities for fee! When does a 4.50% interest rate yield 3.98%? When fees are taken from the accumulation value of the client. Check out an example here. Commission MYGA Product: 7 Year MYGA 3.50% Commission Compounding interest rate guarantee 4.00% $994 more than the 4.50% with a 0.50% fee! Zero/No Commission MYGA Product 7 Year MYGA 0.50% Annual Fee Interest rate guarantee 4.50%, does not compound: $500,000 @ 4.50% compounded would have = $680,431 Fee based $500,000 can grow to $656,971 $994 LESS than commission product & $23,460 LESS than a true 4.50% compounded MYGA would do. 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

Some insurance providers will allow a non-profit to own a Fixed Annuity. Approved! A non natural owner with an officer of the 501c as the annuitant. This video will describe how to set up and issue to a non natural person, in this case a 501 non-profit organization. Advantages for 501c: - Earn more interest - Ability to set up automatic systematic distribution - Low initial premiums ($1,000 - $5,000 to start) - Ability to add premiums without extending surrender charges - Contractual minimum guaranteed interest rates (1.00% - 2.00%) Who else can own a fixed annuity? - Corporation - Trusts / Pension Plans - Local Governments - Individuals 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/ CA INSURANCE LICENSE #0B67385 NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, UT, VA, WA, WI 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.

The overall safety, competitiveness and client friendly abilities of the (MYGA) Multi-Year Guarantee Annuity have been downplayed by the insurance industry and perceived industry regulations. Just because a annuity product feature benefits and protects the insurance company does NOT make it a Con! Looking at these so called Cons with insurance colored glasses make them appear as they truly are, Pros! Pros for the client and the insurer. Links: National Organization of Life & Health Insurance Guaranty Associations 13873 Park Center Road, Suite 505, Herndon, VA 20171 Phone Number: 703.481.5206 Web: https://www.nolhga.com/ Common features called Cons: Surrender Charge: Limits a clients downside in the event of earlier liquidation or distributions from the initial time frame the client agreed to. Market Value Adjustment: Protects the insurance company from a run on the assets under management. Stops a run on the bank, if you will. Lack of Liquidity: Annuities offer free withdrawal provisions. If liquidity is an issue be sure to pick an annuity product with liquidity options that meet the clients needs. Do not choose one without free withdrawals if a client like liquidity, pretty simple, right? Mistakes in the video: I make mistakes, I may say the wrong or in this video spell the word 'feels' as 'fell'. 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/ Quote request: 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 CA INSURANCE LICENSE #0B67385 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.

Wi-Fi not doing the job? Have a cable ready home? Here is a quick fix I found! ScreenBeam MoCA 2.5 Network Adapter for Higher Speed Internet, Ethernet Over Coax - Starter Kit: https://smile.amazon.com/dp/B088KV2YYL?psc=1&ref=ppx_yo2ov_dt_b_product_details Add on Single Add-On Adapter for Existing MoCA Network: https://smile.amazon.com/dp/B088KVYZGK?ref=ppx_yo2ov_dt_b_product_details&th=1 Bunch of other YouTube videos on this: https://www.youtube.com/results?search_query=ScreenBeam+MoCA+2.5+Network+Adapter Ethernet to Coax! #smallbusiness #highspeedinternet #helpfulhints

Who is Clear Spring Life? I reviews and react to the new brand name and logo design. Look at the public facing web page and a sample client illustration on the Multi-Year Guarantee Annuity (MYGA) A rebranding introduces a new name to our Fixed Annuity marketplace. Links: Sample illustration: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/ClearSpring-MYGA-Interest.pdf Financial sheet: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/ClearSpring-Financials.Pdf Video references: Why is 4.15% on $500,000 giving an income of $20,365 and not $20,750? Monthly equivalent Interest withdrawal video: https://youtu.be/NU72GSqYkTA Illustration requests: 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 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/ 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.

What is trending in Fixed Annuities. Cash with app Withdrawals Short term products Immediate Annuities Financial Strength #fixedannuities #immediateannuities #annuity #insurance #jeffaffronti #annuityexperts 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/ Quote Requests: 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

How much would it cost to fund a lifetime income for $3,333.34 every month. $40,000 per year with 100% of initial premium deposit guaranteed to be returned in the event of early death. See samples for males and females ages 55, 60, 65, 70 and 75. The income starts 1 month after the company receives the money. Life with installment refund guarantees for as long as alive. If death happens before the total payments equal the initial premium deposit, the company will continue to pay a beneficiary until the payments do equal the initial premium. Basically, if the owners dies the insurance company does NOT keep any of the initial premium that may be remaining, it goes direct to the named beneficiary(ies). 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/ Rates illustrated subject to and will change. Based on rates effective 08/01/2022. Most rate will be valid for 7 days after quoted. Pricing can vary by state.

Joint & Survivor Lifetime Immediate Annuity Income Options SPIA's for 2 lives, longevity protected income. Discussing: 100% Joint & Survivor Reducing % Joint & Survivor Joint & Survivor Life with period certain Joint & Survivor Life with cash refund Joint & Survivor Life with installment refund Get a SPIA quote: https://www.spiaquote.com/ Past Immediate Annuity videos - Single Lifetime Immediate Annuity: https://youtu.be/vf2MIR5edcs Period Certain Immediate Annuity: https://youtu.be/zV2ppPXGSR8?t=84 Why it is important to SHOP THAT SPIA: https://youtu.be/HN1Ir_YFQfc Cleanest liquidity in an Immediate Annuity: https://youtu.be/4batj2TMH6c?t=25 Newest Immediate Annuity with commutable income illustrations: https://youtu.be/iCDWH8IAZXE Non-assignable, non-exchangeable & non-commutable: https://youtu.be/G8b0ONucCV8 Lost language of Immediate Annuities with Gary Mettler: https://youtu.be/PqacCLBK3-0 Comparison Immediate or Deferred Lifetime Income Annuities: https://youtu.be/NWYoKNQNKzs 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

Single Premium Immediate Annuity (SPIA) See how a Male age 60 with $100,000 can guarantee it will return at least $150,000 all while paying an income of $6,034 to him annually for his life. Single Lifetime Annuity Income Option Longevity protection Beneficiary benefits Discussing: Life Only Life with period certain Life with installment refund Life with cash refund Temporary Life Income can be monthly, quarterly, semi annual or annual Why a single life immediate annuity: - To have a retirement income that can not be outlived - To fund life insurance - Peace of mind - Tax exclusion ratio - Ability to pull principal and interest safely for a larger income Other immediate annuity videos: - Period certain only video: https://youtu.be/zV2ppPXGSR8?t=84 - Immediate annuity with cleanest liquidity - https://youtu.be/4batj2TMH6c?t=25 - Lost language of Immediate Annuities with Gary Mettler - https://youtu.be/PqacCLBK3-0 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/ 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 #fixedannuities #deferredannuities #annuities #annuitybrokerage #jeffaffronti #insuranceagents #retirement #lifetimeincome #fsdfinancial #financialplanning #indexedannuity #indexannuity #FIA #withdrawalbenefit #annuityrates #agourahillsannuity #annuitycommission #annuityexperts #taxdeferred 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.

Guaranteed fixed insurance options for $500,000 premium. In this sample illustration: $323,509.00 @ 4.45% fixed interest for 10 years grows to $500,000 $176,491 into an immediate annuity for 120 payments of $1,753.31 Interest earned on MYGA = $176,491 Interest earned on SPIA = $33,906 Income received after 10 year = $210,397 Accumulation value of MYGA after 10 years = $500,000 Split/Combo Quote Request - https://www.annuityexperts.com/split-annuity-request.html MYGA Rates - https://www.annuityexperts.com/myga-rates.html Immediate Annuity 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/ CA INSURANCE LICENSE #0B67385 NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, GA, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, UT, VA, WA, WI 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.

LIFE AGENTS ONLY Update Mid-July 2022 | Reviewing the months top fixed annuity rates & products. Fixed rates have improved again. Check out what is hot and worth a look this month. Get PDF discussed here: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/UPDATE-July13-2022.pdf Follow: LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/ 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. #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

The monthly interest withdrawal sometimes leaves clients confused and concerned if they have calculated the income based on a simple annual return and then divided by 12. A logical way to look at it but not financially correct. A client with $100,000 offered a rate of 4.10% may just do a simple calculation of 4.10% of $100,000 = $4,100 and then divided by 12 = $341.66 per month. However, when the income does start, it is lower, changing monthly and at the end of the year is only $4,024.91 not $4,100. Monthly Annuity Interest Per $100,000 Annualized is not the same as annual percentage rate. $4,100 of income taken annually is $4,025 if taken monthly. Interest earns or does not earn interest. PDF cheat sheet Monthly Interest Per $100,000 Annualized: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Monthly%20interest%20per%20%24100%2C000_4-18-11.pdf 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/ 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.