Annuity Sales Hit 11 Year High in 2019: LIMRA

“Fixed annuity sales have driven the overall growth for the annuity market over the past four years,” said Todd Giesing, director, annuity research, SRI (formerly LIMRA SRI). “Falling interest rates in the third quarter dampened fixed product sales in the second half of the year. As a result, most fixed products experienced declines in the fourth quarter, pulling down total annuity sales results for the quarter.”



NAIC Finalizes ‘Best Interest’ Annuity Sales Model 

If you’ve done business in New York, you may already be familiar with the enhanced ‘Best Interest’ standards that went into effect the first of this month. If not, that may change very soon, as the NAIC has sent this strengthened annuity sales model to States across the country to be adopted!



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Why This One Important Tool Needs to Be Part of Your Retirement Plan

Are you offering clients this triple tax-advantaged tool that helps offset healthcare costs? If not- contact INSMAX to learn how you can contribute your HSA to part of your LTC premiums! Call 610-382-5000!



What Do Investors Need to Know About the SECURE Act?

With the SECURE Act affecting almost ever facet of retirement planning, the opportunities for growth are becoming clearer by the day!



10 Things to Know If You’re A Decade Away from Retirement

Helpful tips and insights for clients that are a stone’s throw away from retirement. What considerations matter most, and how can you stretch their dollars even further in retirement?



Road To Retirement with IUL


How much Life Insurance does your client need?

Find out now!





Changes with the SECURE Act to know about


The SECURE Act Requires Retirement Income Disclosures- What Does that Mean for You

“Under the Secure Act, plan sponsors will need to deliver that monthly figure in their annual statements to investors, but the law did not specify how.” Which retirement calculator are you using?



How to Tell if You’re Oversaving

An article for advisers that work with “high-earning millennials”, and this uncommon retirement challenge they may face.



28% of Americans Risk Major Financial Struggles in Retirement, Data Shows


In a Fidelity study with more than 3,000 respondents, 28% said they were not on target, and face significant adjustments to their planned retirement!




Four Steps You Can Take to Protect Your Retirement Savings from this Risk

The national annual median cost of a private room in a nursing facility is $102,200, according to insurer Genworth’s 2019 Cost of Care Survey. Learn what you can do to protect your assets and financial security in a long-term care event.



Four SECURE Act Options to Protect Your Client’s Retirement Plan

The Stretch distribution may be gone, but that doesn’t mean you can’t achieve the same effect!



Florida House Passes Bill Banning Insurers from Using Genetic Info

Bill that would prevent Life, LTC and Disability insurers from soliciting genetic information for policy decisions, moves on to Florida Senate!



Limited Time Offer for 5 Year MYGA at 3.7%!

Due to rate changes, one of the best fixed annuity products out there, is going down 10 basis points! Act now to take advantage of this industry leading rate!

Call Shaun Kennedy at 610-382-5000 Ext. 129


Symetra UL-G and Symetra CAUL Products Reducing Credited Rate for In-force Policies and New Sales

Important transition rules for these changes:

Jan. 31, 2020

  • Symetra Life Illustrator and Winflex illustration systems will be updated with new rates.
  • You will be able to run Symetra UL-G illustrations with the current and new rates through the transition period.

Feb. 28, 2020

  • All formal Symetra UL-G and Symetra CAUL applications must be received at Symetra’s home office in good order (fully completed, signed and dated) to receive current rates.
  • Symetra Life Illustrator and Winflex illustration systems will be updated to reflect only the new pricing.

April 10, 2020

  • To ensure timely processing, cases must be issued/paid to receive current rates. For 1035 exchange cases, the deadline will be extended if the only outstanding requirement is the receipt of 1035 funds.

Reduced credited rate: In-force policies:

In March 2020, the credited rate on in-force Symetra UL-G and Symetra CAUL polices will change from 4.10% to 3.50%. Any premiums paid after this date will receive the new rate. The guaranteed minimum interest rate on these contracts remains at 2%.


Do’s and Don’ts of Spending Wisely in Retirement

Learn about the 3 periods of retirement spending, and why your clients’ financial plans may not be as comprehensive as you thought!



Got A Raise? It’s Time to Bump Up Your Savings, Too

A helpful reference on personal finance that provides some useful mantras for savings.



How To Set Your Clients Up For Success In 2020

A quick read on locking in gains and protecting your clients’ investments in the new year!



The Stunning Problem with the 4% Retirement Income Rule In One Chart

Find out why this popular piece of retirement advice doesn’t hold up to close scrutiny!


Retirement Planning: How To Diversify Your Portfolio To Avoid A Crisis

“A National Institute on Retirement Security study shows that 75% of Americans feel the nation faces a retirement crisis. The high cost of health care and long-term care coupled with rising costs of living have most Americans fearing that their portfolios are too small for the coming “winter.” They are both right and wrong.”

“You could consider protecting yourself against sequence risk by placing some money into an annuity or universal life insurance policy that pays a return when markets go higher while guaranteeing your principal.”


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