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An Archive Of Our Past Annuity Journals and Product Recommendations
Articles By Jeff Affronti For FSD FINANCIAL SERVICES  
The Fixed Annuity Agency For The Independent Insurance Producer. 
 

 



 


  

 

2017 - Emails
SPECIAL - Volatility -
SPECIAL - Turn $24,000 into $100,000
SPECIAL - September Hotlist
August - Update

 

June16 - MYGA Update
June - Update
April 11 - Update
April -03 Update
March 16 - Update
March 06 - Update
February 24 - LBL SPIA and Article
February 24 - LBL SPIA and Article
February 24 - Strongest Fixed Annuity Guarantees
February 10 Update - MYGA 3.25% - SPIA - Life
SPECIAL - February Hotlist
February Update - DOL Delayed
SPECIAL - Fixed Indexed Annuities Evolution
January 26 Update - Gender Based Income FIA - Savings MYGA
SPECIAL -
Two Fixed Annuities For 2017
January 18 Update - Lafayette FIA - Savings Rates
January 10 Update - FIA Top Picks 2017 Jan.
January Update - New Year Update
2016 - Emails
December 21 - Holiday Hours and DOL Exempt
December 8 -
5 Year Certain SPIA Reduced Commission
December 1 -
Monthly Update
SPECIAL - December Hotlist

November 23 - Great Rates For Qualified SPIAs
November 2 - Monthly Update
SPECIAL - November Hot List

October 24 - CD Client Can Maximize Yield
October 20
- Update and
Increase Yield By Over Savings! (HTML)
SPECIAL - Increase Client Yield 400% in 3 Years From Savings
October - Update
SPECIAL - FIA GMWB vs. MYGA/SPIA vs. DIA For Income

September 30 - FIA 5.00% Cap
September 20 - Client Who Want It Guaranteed
SPECIAL -Future Income Payout Percentages Comparison
September 15 - Life Awareness
August - Update
July 8 - Update
July 25 - MYGAs
June 28 - Last Chance MYGAs Dropping
SPECIAL - Liquidity In Immediate Annuities
June 10 - Life Insurance Update
June 2  - Annuity Awareness Month Update
 
SPECIAL - Floating Over The 4% Rule
SPECIAL - JUNE HOT LIST
May End - Update
May 1 -
Update
April18 -
Update
April 4 -
Update

SPECIAL - April Hot List
SPECIAL - 8 Year FIA for Accumulation and Income
March 23 -
Life and Annuity
March 18 -
Free Insurance Quotes Life And Annuiy
March 3 -
UPDATE

SPECIAL- March HotList
SPECIAL - February 23 - Getting The SPIA Word Out
February 15 - LBL 2.75% For 7 Years
February 9 - RIA Fee Advisor Update
February 3 - Fixed Annuity & Life Update
SPECIAL - February HotList

January 28 - FIA Top Picks
Special - January 21 - Change Direction FIA - Do not sit idle
SPECIAL - January 19 - Using The "Pre-Paid" Features Annuities
January 7 -January Fixed Annuity and Life Agent Update
SPECIAL - January 6 - Vintage Fixed Annuities
January 5 - Annuity Hotlist
2015 - Emails
December 22 - Life Update
December 10 - MYGA Update
SPECIAL - December Hot List
December 1 - Monthly Update

November 24th - MYGA Update
November 10 - RNA 3 for 5 Years
November 3 - Monthly Update
SPECIAL - November Hot List
October 29 - MYGA, Life and SPIA Update
October 19 - Life and FIA Update
SPECIAL - Guaranteed Gains In FIAs
Octo
ber 13 - RNA Update Life and MYGA
October 8 - SPIA Update
SPECIAL - October Hot List
SPECIAL - October Life Insurance Hot List

October 01 - Monthly Update
September 24 - Top Quality SPIAs
SPECIAL - COLA vs Level Payments in SPIA
September 17 - Woman Agents Wanted - FIA
SPECIAL - September Fixed Annuity Hot List
SPECIAL - Huge Advantage For Women Using Fixed Indexed 
September 01 - Life and Annuity Update Life Ins Awareness
August 20 - Life Insurance Update
SPECIAL - Ups & Downs Come & Go
August 13
- Liberty Bankers Life Upgraded Again

SPECIAL - Positioning Fixed Annuities
August 6
- Annuity and Life Update
SPECIAL - August Fixed Annuity Hot List
July 30, 2015 - No LOAD MYGA For Fee Planners
July 28, 2015 - MYGA Rates UP!
SPECIAL - Immediate Annuities
July 14, 2015 - Life Insurance Update
SPECIAL - How to guarantee & Maximize Potential
July 08, 2015 - Immediate Annuities
July 01, 2015 - Fixed Annuity Update
SPECIAL - July Fixed Annuity Hot List - Focus on MYGA

 
SPECIAL - How MYGA's Compound
June 16, 2105 - Return Of The Fixed Annuity Hot List
SPECIAL - Hot List June
June 08, 2105
- FIA Summer
June 02, 2105
- June Update
May 27, 2105
- Carrier News Updates
May 19, 2105
- Premium Finance Life & Annuity Look-A-Like
May 12, 2105
- Magic 8 and IUL
May 06, 2105
- May Update
SPECIAL - Rise Of The FIA Income Rider

April 27, 2105 - Enhanced MYGA's - SPIA quotes
April 21, 2105
- Life Insurance Protect What Matters
April 16, 2105 - Enhanced MYGA's - SPIA quotes

SPECIAL - SPIA vs. DIA For Lifetime Income
April 08, 2105 - MYGA's Before and After Compounding
April 01, 2105 - MYGA's - FIA's and SPIA vs Income Rider
SPECIAL - No Load SPIA - True No Commission For Fee Advisor

March 18, 2105 - MYGA Road - 12C Calculations
SPECIAL - Calculating Fixed Yields On HP12C

March 05, 2105 - March Update - Voya Upgraded - SPWL
March 03, 2105 - Fixed Rates 3.25% Dropping

February 26, 2105 - Fixed Rates 3.40% - 26% in 7 Years
February 18, 2105 - Fixed Rates 3.25% - Social - Special
SPECIAL - Breaking The Rules The 4% Rules
February 10, 2105 - Life Ins. Opportunity & Popular Features
SPECIAL - What Spits Out Money Every Month?
February 04, 2105 - Update Top 10 Reasons To Sell Fixed!

SPECIAL - How to get Immediate Income From Annuities
January 27, 2015 - SPIA 70% in 10 Years Male 67
SPECIAL - Why Fixed Annuities Get A Bad Rap
January 20, 2015 - 17.34% Over 5 Years
January 14, 2015 - Life Commissions Experienced Agents
January 6, 2015 - New Year Update Surrender an asset?
2014 - Emails
December 17, 2014 -NO CAP FIA'S
December 10, 2014 -Life Ins Update
December
03, 2014 -Annuity and Life Update
November 25, 2014 -3.25% For 5 - Holiday Hours
November 05, 2014 -Annuity and Life Update
Octo
ber 21, 2014 -Great Opportunity Life Insurance Sales
October 14, 2014 -AIG FIA No Cap Income Base Doubles
October 07, 2014 -Genworth 3.00% for 5 Years
October 02, 2014 -Update October 2014
September 24, 2014 -Voya New FIA's - 6% CAP

September 16, 2014 -Life Ins Awareness Month
September 05, 2014 -Life Ins Awareness Month
August 21, 2014
-Genworth Future Income  

August 18, 2014 - Genworth 8% Roll-Up 8% Enhancement
August 04, 2014 -
Update August 2014

July 23, 2014 - Treasury Ruling on Longevity Annuities
July 10, 2014 - SPWL Webinar
July 7, 2014 -
3.05% For 5 Years Ending July 18th

July 3, 2014 - July Life and Annuity Update
June 27, 2014 - Life Update
June 19, 2014 - SPWL and 3.05% for 5
June 03, 2014 - June Update
May 28, 2014 - 6% Bonus Genworth - 3.05% for 5 Years - Bob
May 12, 2014 - High Commission SPWL
May 05, 2014 - 3.05% for 5 Years
May 01, 2014 - May Update

April 24, 2014 - Highest Guaranteed Income RNA Webinar
April 15, 2014 - RNA Webinar
April 03, 2014 - April Full Update - Standard Indexed
March 25 2014 - Life Commission and IUL Caps
March 4, 2014 - March Update 
February 27, 2014 - MYGA Rates 3.20% For 5 Years

February 17, 2014 - Genworth Index Rate Drop
February 10, 2014
- February Update

January 29, 2014 - SPIA With Nursing Home Enhancement
January 22, 2014 - Life Insurance SPWL With High Commissions
January 14, 2014 - 3.20% for 5 Years
January 2014 - New Year Update - 3.20% for 5 Years
2013 - Emails 2011 and 2012 - Emails
December 2013 - 3.60% For 5 Years - LBL raises rates
November 14, 2013 -
3.60% for 5 Years Limited Time
November 2013 -
RNA 3.00% for 5 year Guaranteed A- rated
October 24, 2013 -
F&G SPECIAL 3.60% For 5 Years
October 22, 2013 - RNA 3.00% for 5 years
October 2013 -
Update and RNA 3.00% for 5 years
September 18,2013
- 10.00% Bonus Is Back & 3.00% for 5 Years

September 10,2013 - 3.00% for 5 Years
September 04, 2013 - Indexed Annuity Uses
August 22, 2013 - Genworth Indexed Annuity
July 31, 2013 - Life Insurance Living Benefits
July 22, 2013 - Life Insurance Living Benefits
July 15, 2013 - Life Insurance Living Benefits
July 1, 2013 - July Update
June 19, 2013 - Fixed Rates
June 6, 2013 - F&G Life Insurance Linked to Gold
June 2013 - Update - Index with 4.45% Bail-out
May 22 2013 - Genworth Cap Max
May 16 2013 - 8.00% Roll-up with up to 7.00% Commission
May 2013 Update -Powerful Optional Living Benefit Rider
March 2013 Update - 5.00% Index Cap
February 06, 2013 - ING USA Fixed Indexed Annuities
February 04, 2013 - Update - SPIA vs GMWB
January 22, 2013 - Enhanced SPIA - 8% Roll up
January 08, 2013 - 95% Commission - iPad Mini - 3.05% for 5 Yrs
December 28, 2012 - New Year and Higher Rates
December 11, 2012 - NEW CAPMAX From Genworth and 8% Roll-up
December 2012 - Life and Annuity Update - 8% Roll-up
November 15 2012 - Insurance For Your Insurance
November 2012 - 3.00% Minimum Suspended HURRY
October 2012
- Stuck in record low rates
October 2012 -
Monthly Update Annuity and Life
October 2012 - Deferred Annuity Guides / Index Annuity Guide
September 2012 - We Moved - RNA Special 5 Years
February 2012 - Top Tweets
August 2011 - Non MVA Annuities
August Mid 2011
-Royal Neighbors Of America (RNA)
June 2011 - Simplified Issue Life Insurance

April 2011 - April Update
February 2011 - February Update
January 5 2011 - January Update 2011
2010 2009
December 2010 - December Update
November 2010 - November Update
October 20, 2010 - Life Insurance
October 11, 2010 - October Update
October 01, 2010 - Life Insurance Update
August 9, 2010 - Liberty Bankers USA 100 w/ 3% minimum
July 2010 - Fee Only Planners - No Commission SPIA
July 14, 2010 - Simplified Issue Life Insurance
July 6 20, 2010 - July Update - 8.25% Yr 1 3% min 6.25% Comp
June 2010 - 3.60% For 5 Years
May 2010 - 3.00% For 4 Years
December 1, 2009 - Immediate Annuities From SPIAQuote.com
October 2, 2009 - 9.00% Yr 1 With a 3.75% Base
February 3, 2009 - 3.25% For 3 Years
2008 2007
December 2008 - 4.50% For 1 Year
October 2008
- 5.30% for 5 Years

September 17 2008 - 5.80% for 10 Years
Special - Response To 151A
August 2008 - Daily Treasury Yield Curve Rates
August 2008 - Mailer Ad
March 2008 - 5.10% For 10 Years
February 2008
- 5.15% For 6 Years
January 2008 - 5.00% For 5 Years

 
December 2007 - New For 2008
July 2007 - 5.44% For 6 Years
May 2007 - 3 Year Indexed Annuity + Bonus
March 2007 - Long Term Care Annuity
February 2007 - A True 1-year walk-away
January 2007 - New Year Look At Fixed Annuities
2006 2005
November 2006 - ING USA Indexed Rates Increase
September 2006 - 4 Year Walk Away Indexed Annuity
August 2006 - THE ONE YEAR ANNUITY IS BACK!
June 2006 - Selling EIA's (Equity Indexed Annuities)?
May 2006 - MYG PRODUCTS COMMODITIES
April 2006 - Guaranteed Increasing Rate Annuity
March 2006 -  Life Settlements and Annuities
January 2006 - New Year / Longevity Protection
December 2005 - No Surrender Annuity
November 2005 - Short Term Indexed Annuities
October 2005 - Equity Indexed Annuities and SPIA's
August 2005
- Conseco comeback TLC 5
July 2005 - Higher rates but such low commission
June 2005 - SPIA's and ING Trail Commissions
May 2005 - Interest rates decline
April 2005 - Excellent selling Index Annuity
March 2005 - Annuity Rates Rise
February 2005 - Annuity Renewals-10 year web
January 2005 -
2005 Annuity Changes
2004 2003
Nov/Dec 2004 - Index Annuity Quotes
September 2004
- NY Index Annuity
August 2004 - Bonus Annuities
June/July 2004 -
Why FSD Annuity Marketing
May 2004  - Conseco Annuity Assurance
April 2004 - Conseco EIA Returns
March 2004 -
3.00% on 100% Minimum Guarantee
February 2004 -
Partial 1035 Exchanges OK
January 2004 
December 2003 - Bail-Out annuity
October 2003
- Market Value Adjustment
September 2003 -
Important Annuity Features
August 2003 - Personal Pension
July 2003 -
Strong Minimum Guarantees
June 2003 - Perfect Storm SPIA
May 2003 - Immediate Annuities
April 2003 - Index Annuities
March 2003 - Truly Independent
February 2003 - Two Tier Annuity Sales/Conseco
Archive 1997-2002 Current Articles 2015 - Present
May 2000 - Agent Referral Program
March 2000 - Rates & Commissions

February 2000 -
Partial 1035 Exchanges
November 1999
-
Equity Index Annuity Returns
August 1998 -
Pre-appointment
April 1998 - Index Annuities Lead Sales
June 1998 -
Split Annuity vs. CD Income
December 1997 - Shop That SPIA
November 1997 -
Annuities to fund Life

Special Annuity Sales Topics Archive

Required Minimum Distribution -
Age 701/2
Sample Client Letters - Pre Approach
How Do You See Retirement - Your IRA
Surrender Charge - It is an asset to annuities
Immediate Annuities to fund Life Insurance

How to get Immediate Income From Annuities
Why Fixed Annuities Get A Bad Rap
What Spits Out Money Every Month For Its Owner

SPECIAL - Volatility -
SPECIAL - Turn $24,000 into $100,000
SPECIAL - Fixed Indexed Annuities Evolution
SPECIAL - Two Fixed Annuities For 2017
SPECIAL - Why Fixed Annuities Get A Bad Rap
SPECIAL - SPIA vs. DIA For Lifetime Income

SPECIAL - Ups & Downs Come & Go
SPECIAL - Positioning Fixed Annuities
SPECIAL - How to guarantee & Maximize Potential
SPECIAL - How MYGA's Compound

SPECIAL - Rise Of The FIA Income Rider
SPECIAL - Calculating Fixed Yields On HP12C
SPECIAL - Breaking The Rules The 4% Rules
SPECIAL - What Spits Out Money Every Month?
SPECIAL - How to get Immediate Income From Annuities
SPECIAL - December Hot List

SPECIAL - Guaranteed Gains In FIAs
SPECIAL - COLA vs Level Payments in SPIA
SPECIAL - Huge Advantage For Women Using Fixed Indexed 
SPECIAL - Ups & Downs Come & Go
SPECIAL - Positioning Fixed Annuities
SPECIAL - Immediate Annuities
SPECIAL - How to guarantee & Maximize Potential
SPECIAL - Liquidity In Immediate Annuities
SPECIAL - Floating Over The 4% Rule
SPECIAL - 8 Year FIA for Accumulation and Income

SPECIAL - Getting The SPIA Word Out
SPECIAL - Change Direction FIA - Do not sit idle
SPECIAL - Using The "Pre-Paid" Features Annuities
SPECIAL - Vintage Fixed Annuities

SPECIAL - Increase Client Yield 400% in 3 Years From Savings
SPECIAL - FIA GMWB vs. MYGA/SPIA vs. DIA For Income

SPECIAL - Future Income Payout Percentages Comparison
 

 

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