BSMG Blog: Protecting the Future of Families and Businesses

The Fed Raises Interest Rates After 10 Year Standstill. What Does This Mean?


The Federal Reserve’s FOMC decided to raise rates on December 16th 2015 for the first time in almost a decade.

"With the economy performing well and expected to continue to do so, the committee judges that a modest increase in the federal funds rate is appropriate," Fed Chair Janet Yellen said in a press conference after the rate decision was announced. "The economic recovery has clearly come a long way."

What does this mean for the life insurance and annuity marketplace?

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The 4 Most Common Risks In Retirement

  1. Market Volatility  
  2. Longevity 
  3. Inflation  
  4. Interest Rate Risk

Risk #1: Market Volatility

27% of Americans are worried the stock market will experience a major decline in the near future. 

In this fictional example, financial advisor Dave teaches you how to sell annuities as a way to mitigate client concerns about market fluctuations.

Over the years, Dave has been managing Karen’s account to maximize her growth potential. As Karen approaches retirement she has expressed her concern over what another market decline would do to her retirement income. She certainly does not want to “give back” or lose the gains she has made, yet she also wants to make sure her money continues to have growth potential. 

Read: Low Interest Rates & Market Turmoil: Managing Market Volatility with Fixed Index Annuities

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Low Interest Rates & Market Turmoil: Managing Market Volatility with FIAs


The Federal Reserve’s FOMC decided to not raise rates on Septhember 17th 2015:

In its statement, the FOMC confirmed it "Is monitoring developments abroad.”

"Recent global economic and financial developments may restrain economic activity somewhat and are likely to put further downward pressure on inflation in the near term" 

What Will the Fed Do Tomorrow?

It's been 9 years since the Fed last raised rates. Yet, no matter what Janet Yellin and the FOMC decide to do with short-term rates tomorrow, you can rest assured that market volatility will continue. Why? Because the market will likely be "surprised either way" says Kate Warne, an investment strategist at Edward Jones.

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Study Shows Immediate Annuities Need A Bigger Place in Retirement

Mark Warshawsky is a visiting scholar at George Mason University’s Mercatus Center who has been testing the value proposition of immediate annuities. He has found that the immediate annuity market isn’t very active, which comes as a surprise due to the uncertainty that this generation of retirees will have to face.

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RMD Optimization Strategy

In our latest Brainshark, Evan Graff discusses an RMD optimization strategy that many of our advisors are utilizing. 

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[VIDEO BLOG] Finding Clients the Optimal Guaranteed Income Solution

To understand how an Indexed Annuity will provide more guaranteed income than any other solution, consider the hypothetical example in this video case study with Jesse Greenberg, Vice President, Sales.

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Fixed Indexed Annuities vs. Variable Annuities

BSMG is excited to share our first Video Blog!

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Where Will Your Clients Be When Bull Turns Bear?

Since March 2009, the S&P 500 has gained 171%. Pretty impressive, right? But, as history has shown us when long-run bull markets end, the decline can be pretty dramatic. 

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12 Questions Your Clients Have About Their Retirement Income Strategy

Be prepared to discuss everything

From mortgage to Medicare, life span to retirement income, potential retirees will have a wealth of questions. 

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