BSMG Blog: Protecting the Future of Families and Businesses

Letter to a Broker Series: Fixed Index Annuities

Welcome back to the newest installment of Brokers’ Service Marketing Group's “Letter to a Broker” series. In this collection of blogs, we ask our sales team to create insightful pieces based on topics they cover every day. Our second letter takes an in-depth look at one of the industry’s finest products: fixed index annuities.

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Things You Need To Know About FIA's


Market volatility and low rates adversely affecting retirement assets?

Not with FIA's!

During high market volatility and low rates, advisors often lean towards FIA’s as a safe money asset; offering protection from potential loss, while still allowing for modest upside potential. 

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Why You Should be Selling Fixed Indexed Annuities


What are you doing to diversify you're business and grow your clients' portfolios? With interest rates continuing to rise, regulatory changes and consumers seeking bundled options and simpler solutions, are you adjusting your sales approach?

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BSMG's Highest Rated Annuity Blogs

June not only marks the beginning of summer, it also marks the beginning of Annuity Awareness Month! This is a great time to talk to your clients about annuities. According to LIMRA, Fixed Indexed Annuity (FIA) sales hit record levels in 2016, and there is a reason why! Find out more about the power of annuities with our top annuity blogs below. 

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Is the Bull Market in for a Market Correction?

 The stock market is on it's 18 month high and up 230% since March of 2009! So when will this bull market end? A market correction could be in the near future. Now is the time to have a conversation with your clients on their investment gain opportunities and the up sides of Fixed Indexed Annuities. Read More

The Secret to Combating Longevity Risk with Fixed Indexed Annuities

 "52% of consumers did not save enough money prior to retiring, and 77% believe they have insufficient protection from the possibility of outliving their income." According to Genworth's survey "The Future of Retirement Income." Read More

Four Ways To Grow Client Interest in Annuities


Fixed indexed annuities posted $16.2 billion in sales through June 30, which is 30% higher than the same period last year...Fixed indexed annuities attained their highest-ever annual sales total last year, reported InvestmentNews.

How are you presenting annuities to your clients? Do you tee up the conversation before just jumping straight into why they should purchase an annuity? Often clients will become reserved if someone recommends the purchase of an annuity without totally comprehending the details of what the product really is and can do. The best way to present annuities to your clients is through story telling; paint a picture with the most favorable outcomesIf you describe all the advantages annuities offer to secure retirement, then explain the product, your client is more likely to be receptive and willing to purchase an annuity. 

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An Annuity Sales Checklist You Can Count on One Hand


How do you approach the conversation of fixed or indexed annuities with your clients? Annuities may seem like an obvious investment when you're thinking about retirement income for a sharp financial advisor like yourself; however for the average client an annuity may seem like a financial abyss, or worse a scam. As an advisor it is your responsibility to educate your clients on the outstanding benefits a fixed or indexed annuity can offer. Use this checklist in your next client meeting and you may be surprised by the impact concise education can have on your close.

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Fixed Indexed Annuity Sales Exceed Quarterly All-Time Record

Recently we've shared a few blogs on what the future of annuities could look like in a post DOL world however, the future is unknown. What we do know is that in the present fixed indexed annuities are on fire! A recent LIMRA report shows that FIA sales exceeded quarterly all-time records in the second quarter of 2016. While we're not sure what will happen down the road, we do know right now is a great time to sell fixed and fixed indexed annuities! 

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Will Indexed Annuity Sales Fall Because of the DOL Ruling?

We've heard a lot about the DOL's recent fiduciary ruling over the last few months. In fact, we just hosted a webinar on how this ruling will affect the life insurance industry and the sale of life insurance products (check back for a recording later this week). So what about annuities? How will annuity sales be affected by the DOL's strict ruling? InvestmentNews recently published an article that projects indexed annuity sales will fall 30% due to the ruling. Read below to find out why. 

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