Long term care insurance is one of the most critical components of a client’s financial plan, especially for those wishing to preserve assets in the case of a chronic care need. While today’s products, especially hybrid products, allow for much more lenient underwriting than previous iterations of long-term care insurance, there are still those that…
Confused about which commission option to select for the CoreBridge Assured Edge Income Builder – NY? Use this handy withdrawal matrix and calculator to determine the best commission option for your business! How to use: Download the calculator below Now that you have an idea of which commission options are most advantageous for your business,…
Do you have clients who just want to leave their annuities to beneficiaries? Maybe they originally bought an annuity for income protection which they no longer need. Maybe they purchased a fixed annuity (and gave up growth) to pass onto heirs. No matter the reason, an enhanced death benefit indexed annuity can help these clients….
Liquidity focused indexed annuities all share similar characteristics: No downside market risk. Guaranteed increase through surrender Surrender schedules range from 5-10 years Historical returns fall between multi-year-guarantee-annuities and equities. Liquidity options that let the client exit the policy without a surrender penalty. Some carriers may charge a fee for the liquidity feature. However, that fee…
Accumulation focused indexed annuities all share similar characteristics: No downside market risk Surrender schedules range from 5-10 years The longer the surrender, the higher the potential for returns Historical returns fall between multi-year-guarantee-annuities and equities 10% Free Withdrawals These products are ideal for a conservative client who wants to have moderate upside with no market…