Joint & Survivor Lifetime Immediate Annuity Income Options | SPIA for 2 lives, longevity protected!
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:
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#immediateannuities
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Immediate Annuity : The Single Lifetime Income Option | Longevity protection | Beneficiary benefits
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
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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.
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Lazy money goes to work & initial premium recharges! $500,000 using Split Design & Fixed Annuities.
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.
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LIFE AGENTS ONLY Update Mid-July 2022 | Reviewing the months top fixed annuity rates & products.
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
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Monthly Annuity Interest Per $100,000 Annualized | $4,100 annually can equal $4,025 if taken monthly
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:
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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.
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4th July Annuity Update | Beware of an interest rate decrease | See currently available MYGA rates.
Hello Agents!
We hope you have a wonderful Independence Day with family and friends.
Be safe and have fun!
This is our July 1, 2022 - Super Quick Annuity Update
Beware of an interest rate decreases, 10 year treasury has decreased 17% from 3.48% on 6/14/22 to 2.87% today 07/01/22
See currently available MYGA rates for 2-5 years.
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 INFORMATIONThis 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 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
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Learn about American Savings Life from SVP Michael L Frahm & their B.E.S.T. line of annuity products
Learn about American Savings Life Insurance Company and what they can offer agents in Arizona and Utah from their Senior VP! Enjoy!
A niche carrier since 1954
- $126.82 for ever $100 and 26% surplus!
- Fund 10 pay lilfe with 9 pay SPIA
- Pay Life Insurance Premium by Bank Withdrawal
- SPWL great cash value
MIKES INFO:
Michael L. Frahm, MBA, CFP®, CLU, CLF, CCP, FLMI
Senior Vice President
American Savings Life Insurance Company
935 E. Main Street, Mesa, Arizona 85203-8849
Website: www.AmericanSavingsLife.com
LinkedIn: https://www.linkedin.com/in/michael-frahm-mba-cfp%C2%AE-clu-clf-flmi-48842b23/
ITEMS DISCUSSED IN VIDEO:
Frequently Asked Questions Financial: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/American%20Savings%20Life%20-%20Financial%20FAQs%202021.pdf
SPIA Brochure: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/SPIA-Brochure.pdf
SPIA rates as of 06/24/2022 subject to change: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/American-Savings-Rates.pdf
Remembrance Single Premium Whole Life Insurance Agent Guide: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/ASL%20Remembrance%20SPWL%20Agent%20Guide%20(Form%202007%2003.pdf?ver=1656542007066
SPWL calculator: https://www.americansavingslife.com/life-insurance/single-premium-whole-life-insurance/calculator
Youth Life Insurance Web-Site: https://www.americansavingslife.com/life-insurance/youth-life-insurance
Financial Info: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/American%20Savings%20Life%20-%20Key%20Financial%20Figures%20.pdf
JEFF'S INFO:
Follow:
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Facebook - https://www.facebook.com/annuityexperts/videos/
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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
CA INSURANCE LICENSE #0B91910
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 INFORMATIONThis 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 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.
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Top 5 Awesome annuity changes may take place with rising rates! Things for agents to look forward to
Increasing interest rates will have widespread effects in the Fixed Annuity world.
The obvious: Higher accumulation rates are just better in general for business. As a broader client base becomes available, there will be a natural increase in interest in fixed annuities. Fixed Annuities will continue to attract the most risk-averse investors, but we will also see interest from those willing to take a chance for a few extra percentage points of yield. Furthermore, existing clients will be easier to retain at the conclusion of the term because the agent will be able to give them even better rates than the first sale. This results in a happier client.
Less known: Shorter term or no surrender product can be reintroduced or created.
Agent commissions can and have increased.
More client friendly features will be available at the most competitive rates.
Immediate Annuity internal rate of return (IRR) will increase. When compared to other income 'now' options, the SPIA will be a true contender.
Follow:
LinkedIn - https://www.linkedin.com/in/jeff-affronti-a1551834/
Facebook - https://www.facebook.com/annuityexperts
Instagram - https://www.instagram.com/annuityexperts/
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.
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Simple vs Compound Interest and Fixed Rate Annuities. When does 4% x 5% = 21.67%? Find out here!
A common mistake when calculating interest earnings is to use a simple interest calculation when the interest actually is compounding.
Simple interest states 4% x 5 = 20%. However, compounding is actually more complicated than this.
Compounding equation would look more like this:
4.00% x 1 = 4.00%
4.04% x 1 = 4.04%
4.16% x 1 = 4.16%
4.32% X 1 = 4.32%
4.49% x 1 = 4.49%
4.67% x 1 = 4.67%
So... 0.04 + 0.16 + 0.32 + 0.49 + 0.67 = 1.68%
1.68% + 20% = 21.68%
Earning interest on the interest is compounding!
MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html
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YouTube - https://www.youtube.com/channel/UCJA1PmQHt51tZ6VBx-XYyOw/videos
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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.
FSD FINANCIAL & INSURANCE SERVICES
CALIFORNIA 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, VA, WA, WI
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Annuity Ladder vs Combo | Steps or Splits | How to get a 65 year old $50,000 for life with $850,008!
Life ONLY Licensed Agents:
Annuity Ladder vs Combo
Steps or Splits
How to get a 65 year old $50,000 annually for life Guaranteed.
Premium is $850,008 on the ladder
Premium is $2,550,000 on the Combo/Split
Products used:
SPIA (Single Premium Immediate Annuity)
MYGA (Multi-Year Guarantee Annuity)
FIA (Fixed Indexed Annuity)
Requests:
* Split Annuity Illustration: https://www.annuityexperts.com/split-annuity-request.html
* Immediate Income Quotes - https://www.annuityexperts.com/spia-quotes.html
* Deferred Income Quotes - https://fixedannuitiesandlife.com/fia-quote-request
* Fixed Indexed Annuity Quotes - https://fixedannuitiesandlife.com/fia-quote-request#367c9dc7-9f5e-4d7c-b9b1-aa6b4e3afaaa
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/
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 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.
AGENT: Call or Click you'll be glad you found us!
FSD FINANCIAL & INSURANCE SERVICES
CALIFORNIA 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, VA, WA, WI
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How taxable & tax deferred interest compounding effects overall accumulation values. Fixed Annuities
Quick sample illustration on the effects of tax deferred compounding interest on accumulation values.
$100,000 @ 2% annually over a 5 year period
20% tax bracket
Taxable earns $10,326 ($2,065 taxes)
Tax-Deferred earns $10,408 ($2,082 taxes)
The idea with deferring the tax is a client can pick when to receive a distribution. Often when their income tax bracket is expected to be lower.
Want to offer fixed annuities in your agency? Call or Click, let's connect!
Immediate Annuities - Non-assignable, non-exchangeable & non-commutable SPIA protects secure income.
How a non-assignable and non-commutable Single Premium Immediate Annuity can protect a guaranteed income from being reduced or cancelled.
5 Reasons:
1. Non-lapsable | Protection from self inflicted income reduction
2. Crisis planning (health needs or compromised family member)
3. Business sales or other legal settlements
4. Creditor protections
5. Identity theft limits
Contract review:
A look at the contract language regarding refundability, cancellation and assignment.
Pricing:
See sample pricing Male & Female ages 60, 65 & 70:
Life with 10
Life with Installment refund
Monthly income rates starting one month after premium received
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/
Request SPIA Quote - https://www.annuityexperts.com/spia-quotes.html
Jeff has been licensed since 1996 and has overseen the placement over a billion dollars of fixed annuity premiums.
INFORMATION ENCLOSED IS SUBJECT TO CHANGE ANYTIME - WITHDRAWALS PRIOR TO AGE 59 1/2 MAY BE SUBJECT TO A 10% PENALTY TAX.
FSD FINANCIAL & INSURANCE SERVICES
CALIFORNIA INSURANCE LICENSE #0B67385
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Not for profit Fraternal insurance! James Donovan shares his expertise! (Fixed Annuities & Life)
James Donovan's experience shines through while spreading awareness of not for profit insurance companies. Enjoy, great information here!
My discussion with James Donovan regarding not for profit insurance companies.
June 2022
Annuity Awareness & Fraternal Organizations
How not for profit Fraternal insurers offer annuity & life products.
Why Fraternal organizations started.
Differences between commercial Stock carriers vs. Mutual & Fraternal carriers/organization.
Learn about member benefits & charitable donations.
GBU offers client oriented products with friendly and responsive agent services.
Thanks,
James Donovan | Business Development Manager - Sales
GBU Financial Life | 4254 Saw Mill Run Boulevard | Pittsburgh, PA 15227
www.GBU.org
Visit James Donovan LinkedIn page: https://www.linkedin.com/in/james-donovan-34a5272a/
AGENTS: Get contracted with GBU: https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/GBU_Contracting_Agent.pdf
AGENTS: Check out GBU last annuity rates - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/GBU-MYGA-Asset-Rates.pdf
Follow Jeff:
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
CA INSURANCE LICENSE #0B67385
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Stretch IRA – Alive and Well! | Savings vs Investment IRA | Annuity IRA case study with Gary Mettler
My discussion with Gary on the recent clarification regarding the stretch IRA and the SECURE ACT.
Case Study:
- Savings vs Investment IRA (Balance Divided | Moving Income)
- Annuity IRA Info (Periodic Payment Annuity Contracts and Defined Benefit Pension Plans)
- Annuity IRA Sample Case (Annuity Stretch IRA, Three Parties | Maximum deferral benefit)
- Cost of Living Adjustments | Period Certain | Survivor and beneficiaries
Power Point Case Sample in PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/GaryMettlers-Stretch-IRA-Alive-and-Well!_05.27.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 Video: Review of Gary's Stretch IRA update April 2022 - https://youtu.be/0Bby0bqXv6M
Follow Jeff:
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/
Agent Illustrations:
MYGA Quote Request: https://www.annuityexperts.com/deferred-annuity-illustrations.html
Immediate Income Quotes - https://www.annuityexperts.com/spia-quotes.html
Video recorded via Zoom
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Walk-Away Deferred Annuities - Flexibility & availability for end of term fixed annuities clients.
Walk-Away Deferred Annuities
Early withdrawal penalties usually apply to deferred annuities.
These fees are in place to protect the insurance company from having to sell a matching duration assets early and at a possible loss.
Walk-Away annuities have surrender charges that permanently terminate once the initial surrender or guarantee period has passed.
The term "walk-away" was coined in response to the invention of two-tiered and rolling/repeating surrender charge products.
Rolling or repeating surrender charge products have been replacing walk-away products very quickly. These products were developed to provide higher rates in a very low rate environment. Additionally, this rolling set-up benefits the insurance company because the premium would be stickier than liquid options, in theory.
Jeff Affronti - Your independent fixed annuity wholesaler.
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When was the last time MYG Annuity rates hit the 4% mark? Answering the LinkedIn Poll on MYG Annuity
When was the last time MYG Annuity rates hit the 4% mark?
The LinkedIn Poll on MYG Annuity https://youtu.be/GDy1DKNq4gs
March of 2006 = 77%
March of 2019 = 8% (correct answer)
March of 2012 = 15%
In March of 2019 rate of MYG Annuities reached the 4% mark on term of 5 or more years!
Jeff's past marking journals - https://fixedannuitiesandlife.com/fsd-spreads-downloads
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Fees In Fixed Annuities. My take & opinion on fees for rates & when fee based riders can make sense.
Fees In Fixed Annuities.
During the majority of my career fixed annuity I was able to say, there are no fees in fixed annuities. Specifically fees that could reduce an accumulation value. This is not true anymore. Carriers are now actively building fixed annuities with all sort of area additional fees can be added or are required.
My take & opinion on charging a fee for increased index cap rates and when fee based riders can really make sense.
Why is a fee being paid?
What is the likelihood the benefit provided by the fee be used?
Is a non-fee option available?
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Creative Annuities - 10 x 6 Split/Combo Annuity sample. Mid-May 2022. Income & Accumulation designs!
A custom fit can look better than a one-size fits all design!
Creative Annuities - 10 x 6 Split/Combo Annuity sample.
Mid-May 2022. Income & Accumulation designs!
Where is the planning? A decade ago we would get unique requests regarding a client's needs and wants pretty regularly. We would get creative and attempt and find a guaranteed insurance solution to those needs and wants. If we could, those clients will have met their goals and also find peace of mind knowing they will not have to take on any extra risk.
If there is a target income or accumulation value desired, try and meet it on a guaranteed basis first.
Why play extra inning if you already won the game?
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Gary Mettler & I discuss the lost language of Immediate Annuities. A wealth of knowledge & info!
Peace of Mind:
Gary and I discuss the lost language of Immediate Annuities:
The safety (non-volatile, non-lapse and protects in credit defaults, higher state guarantee levels) Income that cannot be jeopardize.
Favorable tax rules (fed is in the SPIA's corner, owners can sustain themselves)
Industry has abandoned the permanent insurance for savings accounts that can be lapsed.
Rates owner satisfaction of 100%! Longevity and overall guarantees.
Wise for agents and the population to add the permanent contracts like SPIAs and not only rely on the riders and savings accounts.
Tax Exclusion Ratios | Creditor Protections
Reliable future income benefits.
MAIN THING IS PEACE OF MIND
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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
Video review of Gary's Stretch IRA update April 2022 - https://youtu.be/0Bby0bqXv6M
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NEW! Bail Out Annuity & Top Rate of 4.00% for 5 years as of 05/10/2022 - Limited State Availability!
LIFE AGENTS IN:
Alabama | Arizona | Arkansas | Indiana | Kentucky | Ohio | Pennsylvania
Tennessee | Texas | and Utah
NEW! Bail Out Annuity & Top Rate of 4.00% for 5 years as of 05/10/2022 - Limited State Availability!
True Walk Away - 0% charges after initial term
Includes full beneficiary death benefit
Tax Deferral and Compounding Interest
LIFE AGENTS
- Get an agent kit here - https://fixedannuitiesandlife.com/5-year-ac-bail-out#7d3820ff-0c56-4fd7-ba1a-e488717c8d96
- See more product info here - https://fixedannuitiesandlife.com/5-year-ac-bail-out
STATES APPROVED IN: AL, AZ, AR, IN, KY, OH, PA, TN, TX, UT
Call me for awesome fixed annuity support. I have 25 years experience with all fixed annuities!
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Insurance Products with Insurance Guarantees
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Split Combo Annuity Illustrations May 2022. Tax excluded income and tax deferred accumulation.
The Split / Combo Annuity combines two fixed annuities to provide a guaranteed income stream while allowing the principal to grow tax-deferred.
The two side to a Split/Combo annuity are Income and Growth.
Income side: a non-qualified single premium immediate annuity (SPIA) can offer a tax exclusion benefit that will reduce the taxable amount of an income payment received. The SPIA income payment is guaranteed and will not fluctuate over the term of the split annuity.
Growth Side: a multi-year guarantee (MYG) tax-deferred annuity is used. The interest rate on a MYG annuity is guaranteed and will not fluctuate over the term of the split annuity.
Split / Combo Annuities are an excellent way to postpone taking Social Security in order to maximize benefits.
Split / Combo Annuities are 100% guaranteed, the numbers will not change.
Split / Combo annuities offer full value death benefits. The income side will continue to pay a beneficiary. The Growth side can be continued, in most cases, or lump sum cashed out at the full accumulation value at the time of such distribution.
Split / Combo are insurance products with very low load/commission. This allows for a better income payout and growth interest rate for the annuity owner and annuitant.
Get a Split Annuity illustrated for you here: https://fixedannuitiesandlife.com/deferred-annuity-quotes#0d65e0bd-c65d-4797-8dfb-53178a30a78d
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#SPIA #SPLITANNUITY #JEFFAFFRONTI
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Annuity laddering using insurance guarantees. Can the MYG annuity be a replacement for bonds?
Annuity laddering using insurance guarantees.
Can the MYG annuity be a replacement for bonds?
This video illustrates the current returns on laddering in annuities with fixed rate guarantees.
One advantage is that laddering can reduces risk by increasing the number of ways to enter or exit the a market.
If current market conditions are favorable, you have the option of reinvesting or retaining the premiums until conditions improve. Each year, as other ladders grow, the same choice can be reviewed.
Interest rate fluctuation can also bereduced by laddering.
Laddering can also be a component of a larger retirement strategy aimed at ensuring a steady stream of funds throughout retirement.
Ladders with maturity dates that match to anticipated expenses like college expenses, planning a wedding, or the purchase of a home or property.
In the end, MYG Annuities currently offer a very competitive option for laddering all back with quality insurance guarantees.
Oh yes, and all of this with NO FEES! What you see is what you get!
Agents call, email or visit www.annuityexperts.com for more info or to design your ladders!
JA
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LIFE ONLY AGENTS - Do you know about the partial 1035 exchange and a Split Annuity? Watch this!
For Information ONLY - Please comment if you can help verify or correct any of the information in this video. I do not offer tax advice and I am not a tax professional. I am an Annuity Expert though!
In this video I look at the Partial 1035 exchange rules and how they have changed since inception.
The newer 2011 guidance by the IRS seems to indicate a partial exchange into an immediate annuity for at least a 10 year term certain or a life contingent based income will NOT cause the aggregation of the cost basis.
In this $509,000 sample Combo/Spit annuity 30% is allocated to the Single Premium Immediate Annuity (SPIA) and 70% into the Multi-Year Guarantee Annuity (MYGA).
The cost basis is split as well with 30% going to SPIA and 70% to MYGA
Using a Split Annuity the income side offers $1,446 monthly of which 47% is tax excluded. If $767 is taxable at 25% bracket the after tax income is about $1,254
Simply stripping the interest with an interest rate of 3.55% will give about $1482 monthly. If $1,482 is taxable at 25% bracket the after tax income is about $1,112
$192 tax on the SPIA income payment
$370 tax on the MYGA interest only withdrawal
References:
PDF IRA Serial Annuities 1035 exchanges - https://www.irs.gov/pub/irs-drop/rp-11-38.pdf
PDF Rev. Proc. 2011-38 IRS Rules - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/IRS-Rules.pdf
Agents only piece: Nationwide Annuity partial 1035 exchange rules by Thomas H. Duncan, JD, CLU, ChFC - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Partial%201035%20Exchange%20rules.pdf
The Tax Adviser page link - https://www.thetaxadviser.com/news/2011/jun/20110628.html
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Thank you to:
Gary Mettler @ https://www.linkedin.com/in/gmettler/
The Standard Insurance
IRS.gov
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MYG Annuity or Multi Year Guarantee Annuity - Rates by company Ratings - Who is HOT and who us NOT
MYG Annuity - Multi Year Guarantee Annuity
April review of guaranteed fixed interest rates listed by company financial strength ratings.
Who is HOT and who us NOT!
3.35% for 5 Years (3.60% announced after this video completed)
3.10% for 3 Years
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