Now's a Good Time to Review the Top 10 Reasons to Buy a Fixed Annuity

June 2, 2020

For anyone who wants to build and protect their assets, annuities are a great option. Here are 10 reasons why:

  1. Multiple Guarantees​
    • Principal and interest rate guarantees
    • Income guaranteed for as long as your client chooses — for a certain period or for life 
  2. Control
    • ​​Ability to choose a predictable income stream
    • Payments guaranteed to continue for as long as your client lives 
  3. Safety
    • ​​Helps to ensure the surviving spouse has a continuing income
    • Funds can be accessed with no surrender charges in the event of a terminal illness or upon entering a nursing home* 
  4. Tax deferral
    • ​​Earnings won’t be taxed until your client makes withdrawals or starts taking regular distributions
    • Benefit from triple-compounding: earn interest on principal, interest on interest, and interest on what would have been paid to taxes 
  5. Flexibility
    • ​​Multi-year rate guarantee products
    • Variety of contribution and payout options 
  6. Estate planning
    • ​​Proceeds are paid directly to the named beneficiary
    • May avoid the delay and expense of probate 
  7. Diversification
    • ​​Deferred index annuities can tie credited interest to an index, without downside risk
    • Supplement retirement income 
  8. Accumulation
    • ​​Long-term savings plan for future income stream
    • Principal protection: Deferred index annuities never lose value in a “bad” year, while capturing some growth in a “good” year 
  9. Access
    • ​​Flexible access to funds with a variety of surrender-charge free withdrawal option 
  10. No sales charges
    • ​​100% of premium can earn interest

Use This Sales Idea

Download this flyer to share the top ten reasons with your clients.

17069

Top Ten Reasons to Buy a Fixed Annuity

More About Sales Insights & Tools
Maximize your earnings with our Internal Transfer Program, offering full commissions on most internal annuity transfers for clients aged 85 and younger. Use our annuity portal to review policies, avoid transfer hassles and earn full first-year commissions while increasing client satisfaction.
The 50/30/20 allocation model using fixed index annuities offers a strategic alternative to the traditional 60/40 portfolio. Find out how FIAs can become a valuable addition to a balanced investment strategy.
Paul Garofoli shares a strategy for clients to leave a legacy without underwriting, using the Legacy Max Enhanced Death Benefit Rider. This approach helps clients convert “live on” assets into “leave on” legacies, ensuring their financial plans benefit future generations.
Concerned about potential declines in long-term yields and participation rates for fixed indexed annuities? Take advantage of the current higher rates offered by the Enhanced Choice Index Plus Series to save your clients thousands before rates drop.
Now might be a great time to consider a fixed index annuity before interest rates drop. The Index Select Annuity 7 offers a 65% participation rate in the S&P 500® Index gains without any downside risk, plus a 5.00% fixed interest crediting option.
Join us in celebrating the one-year anniversary of the Enhanced Choice Index Plus! Its many options make it a powerful tool to protect and grow clients’ assets.
Knock your next sales meeting out of the park using “Score Big With Legacy Max.” Find out more about what it is, how to use it and where to find it.
As the world becomes more interconnected, so does the need for coverage. Find out how you can offer annuities to foreign nationals working for a company in the United States.