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Great American Annuities Now Available Through Target Insurance Services

Posted by acampbell on Dec 12, 2017 in Annuity
We are pleased to announce the addition of Great American Life Insurance Company's annuity products to our portfolio.  With an A rating from AM Best and more than 150 years' experience, Great American offers an additional choice when considering which product is best for your client.   In...

Annuity Sales Idea

Posted by acampbell on Nov 27, 2017 in Annuity

Genworth announces their suspension of All Traditional Life Insurance and Fixed Annuity Sales effective March 7, 2016.

Posted by Gretchen Jabben on Feb 5, 2016 in Annuity
Stand-alone LTCi sales are not impacted.   In our predictably fluctuating financial market economy we occasionally see changes within the insurance industry which catch us all off guard. We are processing the information from Genworth and waiting on analysis which will provide us with additional...

Deferred Income Annuities 101

Posted by Annuity Team on May 12, 2016 in Annuity
A deferred income annuity (“DIA,” and also sometimes referred to as a longevity annuity), is a contract between you and an insurance company. You give a lump-sum payment to the insurance company in exchange for guaranteed lifetime income that begins at a future date, up to forty years later in some...

Annuity Courses Summary

Posted by Annuity Team on Oct 30, 2015 in Annuity
Allianz – 12 different annuity courses American General – 1 course General Course – Covers all their annuity products American National – 2 courses General Course – Covers all their annuity products EXCEPT New York New York ONLY Genworth – 10 different Individual...

Principal Financial requires Direct Deposit of all Commission Checks by October 31.

Posted by Gretchen Jabben on Sep 17, 2015 in Annuity
For several years, the Principal Financial Group® has encouraged financial professionals to receive all types of payments via direct deposit. It is fast, simple and secure. As we continue to improve the quality of service we provide, we have made direct deposit our approved method of payment. Please...

Point-of-Sales Assistance

Posted by Life Team on Sep 10, 2015 in Annuity
Point-of-sales assistance is a process where a financial advisor (FA) partners with the subject matter expert (SME) within Target Insurance Services. In this partnership, it is not uncommon for the FA and SME to meet jointly with the prospect and develop a customized insurance plan. In some cases, the...

Educational Opportunities

Posted by Gretchen Jabben on Jul 27, 2015 in Annuity
November 2, 2017: Ethics CE, Estate Tax Planning (1 hr. CE and CLU/CFP CE); DI CE September 28, 2017: No tricks--just lots of CE in October, including Jerry Bell August 2, 2017: 1, 2, or 3 hours of Ethics CE; 1 hour DI CE May 1, 2017: 2 hours with Jerry Bell; 1 hour 1035 Exchange CE March...

Qualified Longevity Annuity Contract 101

Posted by Annuity Team on Jul 22, 2015 in Annuity
Qualified Longevity Annuity Contracts are a fairly new form of retirement income annuity solution. Similar to an immediate annuity, the longevity annuity's goal is to provide income for life. However, payments may not begin until years (or even decades) after purchase.   Other Sources Use...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in Annuity
November 27, 2017: Change taxable income into tax-free LTCi benefits; Producer bonus from NGL; Tap into the mind of business owners October 24, 2017: Five for Fall Underwriting, 3.5% annuity rate for one year; LTCi Awareness Month September 17, 2017: Product Doubleheader: 2017 CSO Table and...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in Annuity
An important part of our job here at Target is to keep our eyes open and pass along to you industry news, sales ideas and other information to help you grow your business. Matt McAvoy, CLU, ChFC, MSFS President READ MORE

Indexed Annuities 101

Posted by Annuity Team on Jul 10, 2015 in Annuity
An indexed annuity is a fixed annuity, but with a feature that gives it the potential for greater returns while providing a guarantee of a client's premium. That feature is a link to a market indicator or index.  Through the use of an Income Rider and index annuity can also provide predictable guaranteed...

Other Annuity Sales Ideas

Posted by Annuity Team on Jul 10, 2015 in Annuity
These brochures will provide you with information regarding different types of annuities which are outside the normal fixed traditional annuity world. An Alternative to CDs - A simple strategy for today’s low interest rate environment. Inherited IRAs - Advice for beneficiaries of a Traditional...

Immediate Annuity Sales Ideas

Posted by Annuity Team on Jul 10, 2015 in Annuity
Immediate Annuities are not bought for their rate of return.  They are bought for their GURANTEED PAYOUT! Learn how to talk about an immediate annuity. SPIAs Help Make a Charitable Gift Annuity Work Even Better - Help SPIAs work better for both the charity and your client. It’s Better to Give and Receive...

Fixed Annuity Sales Ideas

Posted by Annuity Team on Jul 10, 2015 in Annuity
Get some basic knowledge of an annuity and discover what and how a Stretch Annuity works. Planning for retirement income with fixed indexed annuities (LFG) Annuities 101 Presentation - This is an introduction to the benefits of selling annuities from American General [PDF Version] The Stretch...

Indexed Annuity Sales Ideas

Posted by Annuity Team on Jul 10, 2015 in Annuity
Index Annuities are designed to provide a guarantee they cannot lose any  premium while providing upside potential interest rates which are better than other annuities, CD’s or a Money Market. Buy Low, Sell High: Easier Said than Done - Individuals always say they know how to buy and sell in...

Annuity Training

Posted by Annuity Team on Apr 20, 2015 in Annuity
Prior to an application all companies require the completion of specific product training. This article details NAIC and carrier mandated CE and product training requirements. Annuity Training Requirements Prior to submitting an application all companies require the completion of CE and specific product training....

Structured Settlements

Posted by Annuity Team on Apr 17, 2015 in Annuity
Provide Structured Settlement Sales Opportunities Congress created Structured Settlements as a way to provide claimants with settlement payments through a structured settlement annuity which is issued by an insurance company. Because there are very specific tax rules govern Structured Settlements there...

Qualified Longevity Annuities Contracts (QLAC)

Posted by Annuity Team on Apr 17, 2015 in Annuity
A Qualified Longevity Annuities Contract (QLAC) allows clients to defer taking income from required minimum distributions (RMDs) on a portion of their traditional IRA balance up to age 85 instead of the 70 1/2. QLAC Basics • View Brochure QLAC Regulation Overview • View Brochure QLAC Frequently...

Index Annuity Income Riders

Posted by Annuity Team on Apr 17, 2015 in Annuity
Help your clients address accumulation needs along with concerns of outliving their income by using the following products/riders. Annuity and Benefit Rider Brochure - Increasing income option AG Lifetime Income Plus - Wait 10 yrs double your income Lifetime Income Riders - Fixed income base...

Medicaid Compliant Annuities

Posted by Annuity Team on Apr 17, 2015 in Annuity
There are very few annuities willing to accommodate the Medicaid rules. Talk to us about your options. American General Compliance Update - October 2009 Example of a company saying they will not accept Medicaid annuities. • View Article Genworth Financial Bulletin - June 2012 Genworth accepts...

What Are Indexed Annuities?

Posted by Annuity Team on Apr 17, 2015 in Annuity
An indexed annuity is a fixed annuity, but with a feature that gives it the potential for greater returns while providing a guarantee of a persons premium. That feature is a link to a market indicator or index.  Through the use of an Income Rider an index annuity can also provide predictable guaranteed...

What are Qualified Annuities?

Posted by Annuity Team on Apr 17, 2015 in Annuity
Use the links below to refresh your understanding of qualified annuities and how they work: Voya/ING Brochure: 72T Information • View Brochure Flyer: What is an RMD and How Do RMD’s Work? • View Flyer Flyer: Traditional Annuities vs Roth • View Flyer Flyer: What is a 401k? •...

Annuities 101

Posted by Annuity Team on Apr 14, 2015 in Annuity
An annuity is a contact between a person and an insurance company. The client gives the company a sum of money, and in return is promised a monthly payout, generally for the rest of their life. There are many cases where annuities make sense for retirees or folks planning to retire soon. Other Resources Use...

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