To Index or Not

As I talk to agents, I’m amazed how many good insurance agents are just not comfortable with offering their clients one of the best retirement vehicles available on the market today;  Fixed Index Annuities. 

For most of their lives, baby boomers have been mindful of the importance of saving for retirement.  Most of that generation found ways to put money to work in “the market” or through a work place sponsored “pension plan”.  During the last three or four decades many were able to profit during the bull rallies of the 80’s, 90’s and even as recent as 2011.  Unfortunately, along with bull market rallies we also saw some pretty severe pull backs (sometimes of over 35%) like the debacle of 2008.  While “the market” is a great place to accumulate wealth for retirement, it is not a very safe place for that equity to reside as your clients prepare for retirement.

That’s where you, a trusted professional in the lives of many or your clients come into play.  Why not educate your clients of a better, safer place for their retirement nest egg that guarantees:

  1. They will never outlive their money.
  2. When the market makes money, they share in that profit, but…
  3. When the market declines, they are guaranteed to not lose a dime. 

That in a nutshell is the beauty of a Fixed Index Annuity.  As your clients prepare for retirement, they are going to need help transferring accumulated wealth (IRA, 401(k), etc.) into income for the remainder of their life.  That’s where you can help.  You already have their respect and confidence; because of the way you’ve serviced their other insurance needs.  Why not take it one step further and help them protect a lifetime of savings by helping them transition from a saving/accumulation phase to a safe, secure retirement vehicle whose well will never run dry.  

If you presently don’t offer Fixed Index Annuities, let me help you get started.  You can make a difference in the lives of your soon to be “seniors”, as they prepare for retirement.  If you are currently selling Fixed Index Annuities, let us be your source for some of the best products on the market.  We have the #1 FIA of second quarter 2012, as well as #1 FIA of third and fourth quarter 2012 as well. 

If you don’t understand or are just not comfortable with how the Fixed Index Annuity works, let me help.  Give me a call and together we’ll get it done.

D.R.   


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