Bill Broich: Editorial: Resolve and determination are not the same thing, Crew Share, Hot News, Absolute return funds, Variable Annuities vs. Fixed Indexed Annuities Lifetime Income Benefit Riders (from Anthony Owen), The Other Side of the Table: DReaMS, Direct Response Marketing System (Kris Montierth)

Chad Owen: Big Truck Sales Tip: Turning summertime blues into annuity commission green.

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Indexed annuity cap rates are dropping like rocks. Most notably, North American has seen major cap reductions on their Charter Series and other products.

Do cap rates matter to indexed annuity sales? Some agents seem to have a hard time selling indexed annuities if cap rates are “low” (See article linked below).

Marrion: Low Caps Hurting Indexed Annuity Sales

Why are variable annuities at risk for the guaranteed benefits they provide to their policy holders?

It has to do with taking money vs. holding money. When an insurance company sells a variable annuity they take a client’s money and give it to someone else. That “someone else” is usually a stock or bond mutual fund. Therefore, the only way a variable annuity insurance company can make money is to charge fees on the premium as it “passes through their hands”.

Bill Broich: New American Investors (Aviva) product, Lincoln Money Guard, Sagicor Single Premium Whole Life, One America Annuity Care, Great American Safe Return.

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Bill Broich: Editorial: Resolve, Crew Share, Hot News, Credentials, Retire Village – The power of repetition, Credit Shelter Trusts, How Risky is your 401k?, NAFA consumer/agent website, Debt doom and gloom, The Other Side of the Table: An inside view into the business of a broker, Updated Wharton study: Real world returns of annuities

Chad Owen: Big Truck Sales Tip: Selling annuities to engineers.

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Bill Broich: Editorial: How I sold over 100 million in annuity premiums, Crew Share, Hot News, Great American Safe Returns and Income Sustainer Plus, Article: 1 in 4 Baby Boomers say they will never retire, The Other Side of the Table – Qualified Annuity Lead Results: Stewart Miller – How to market and drip for long term results.

Andrew Rafal: About his annuity business.

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Bill Broich: Editorial: Stop complaining about annuity leads; just ask for help, Crew Share, Hot News, NAIC puts insurers on hook for annuity suitability, Geithner says, “no risk” U.S. will lose AAA rating, Advisors see a boom in boomer clients, LTCI news, VA vs. FIA GLWB’s, 5 lame sales questions, Early withdrawal from IRA, 20-year bear bond market, Why email annuity marketing doesn’t work unless you are using ERMS, The Other Side of the Table: The golden age of annuities, CD’s with fine print.Anthony Owen: Don’t forget about selling life insurance; we can help you.
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In March this year I had the privilege of listen to Jack Marion, founder of Advantage Compendium, Ltd., speak at the American Equity conference in Las Vegas. He is a true champion and defender of our industry. Below is a link to his website. There is more information about annuities and their real life comparisons to other investment options than any one person could possibly absorb.He also has some great articles that debase the annuity bashing articles we have seen lately.http://www.indexannuity.org/index.html

Bill Broich: Mediation vs. Arbitration, Crew Share, Hot News, Senior living bridge loans, GRATs, Smoke and mirrors VA annuitization payout, Why is President Obama promoting annuities?, Poll reveals baby boomers’ retirement fears, ERMS: Annuity client drip system, Brokers dump their middle market clients, Labor Department target dated funds, Bond coupon rate question answered, The Other Side of the Table: Sheryl Moore’s response to Malcolm Berko equity indexed annuity smear article.Chad Owen: How to handle the 401K/TSP in-service withdrawals conversation while booking an annuity appointment, Are you selling an idea or an annuity product?
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It’s time for annuity appointment booking calls again to fill the calendar for next week.Are you being aggressive enough? Are you selling an idea or a product?I just listened to Chad call one of his Safe Money Radio annuity leads and here is how it went. This was second time Chad called this guy. He had an appointment with him before but the appointment was cancelled. Chad was calling back to see if he was still interested in meeting.