1 | Open MIC notes for the Crew

……15 Years and still rolling…….

Open MIC is open for anyone.

9:00: AM Pacific Thursday 800 504-8071 Code is

IF YOU WOULD LIKE TO FIND OUT MORE ABOUT US

CALL OR EMAIL

ANTHONY OWEN

888-74AGENT (24368)

tony@annuityagentsalliance.com

OR VISIT OUR WEBSITE

2554567

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Leads, lead management, product support, selling support, marketing support:

“Fixed Indexed Annuities have a Better than average chance for Better than average returns without exposure to market risk”

509 Miles, last 200 in the rain, on Hill of Joy above Santiago. Perfect. Thanks to all of you who encouraged us and kept us going through this long, hard and fabulous pilgrimage. Annie and Bill Open MIC is free and available to all: Our 26th Year.

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I can’t think of anything more frustrating than the past 2 wars we have endured with those desiring to regulate (oversee) us and tell us how to run our business. 151a, was soundly defeated and will stay defeated under Dodd Frank (Harken amendment) but not without a long and difficult battle, now, the Obama Administrations desire to levy multiple regulation on us has now gone away. In its wake we have been left with the realization that those in power have the authority (to attempt) to make our business life end which it seems difficult to believe. Bureaucrats always need to define their existence, and to make sure we know their importance is based on their power. In the wake of all this silliness, there may be a benefit, we have cut a lot of lousy agents from our ranks. The easy sale and move on guys have been replaced with professionals who run their business the way it is supposed to be. This is a huge benefit for the client, advice from a licensed professional.

• Was it worth the hassle, NO. • Has our individual professional status been improved? YES, because

insurance companies in fear of litigation expanded the rules to protect themselves and it flowed downstream.

• Has it become more difficult to conduct business? YES, but that is now becoming easier.

• Will our clients benefit from the DOL Fiduciary rules attempt to define our efforts? YES.

• Have we lost sales because of the proposed rule? YES

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But, it still exposed our underbelly, it caused many of us to realize that there is very little we can do to fight back if and when an administration determines that we need our hands slapped. What is a better idea? Let each state DOI determine how we conduct ourselves and how we are measured against any standard. Keep the creeps at the DOL (and any other federal agency) out of our lives. For 155 years, our system has worked and the last thing we needed was some federal agency trying to gain more turf. Here is one suggestion to improve our professional status: Put actual “clock” hours as a requirement for continuing education. It would be an easy move by the commissioner and yet it is objected to and lobbied against by the companies who provide the “quickie” service for easy to get, continuing education. It is always the lobbyists isn’t it? You could also adopt personal standards to reflect your approach to your profession: Be professional, earn an education, obtain real and meaningful credentials, base your business on fact finding and never push product, put your clients first, be honest and always invest in your business. Bill

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http://www.wealthmanagement.com/industry/ding-dong-fiduciary-rule-officially-dead?

Ding Dong—the Fiduciary Rule Is Officially Dead The DOL didn’t exercise the last legal recourse it had to defend the controversial rule, effectively ending the short life of the Obama-era regulation.

The sound of silence from the U.S. Department of Labor was deafening.

The DOL failed to petition the U.S. Supreme Court to hear an appeal of the Fifth Circuit Court of Appeals’ decision to vacate the DOL’s fiduciary rule, ending this chapter of the legal drama surrounding the controversial guidelines.

The DOL had until the end of the day Wednesday to file an appeal to the Supreme Court, but did not do so. This was not a surprise, since the DOL had stopped defending the rule in court following the election of President Donald Trump. The DOL’s silence likely puts a rest to any speculation regarding the resurrection of the rule.

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However, the Securities and Exchange Commission is currently accepting public comment on its Regulation Best Interest standard, which its members reluctantly voted to propose in April.

I just can’t wait until the SEC tells us once again how to conduct our affairs, at least we have the Harken Amendment to use as a shield.….BB

But, we are back on track with our products: https://onwallstreet.financial-planning.com/news/fixed-index-and-variable-annuity-sales-forecasts-from-limra-iri

Annuity Sales Forecast Strong: LIMRA After six consecutive quarters of declines in total annuity sales, the insurance products are on track to post gains for 2018, according to a three-year forecast published by the LIMRA Secure Retirement Institute.

Improved economic conditions and elimination of the Department of Labor’s fiduciary rule, could boost annuity sales by 5% to 10% in 2018, LIMRA forecasts.

Hello Partners, http://www.investmentnews.com/article/20180607/FREE/180609918/fixed-annuity-sales-set-for-massive-spike?X-IgnoreUserAgent=1 How much of the pie will you get to eat? Marketing, case design, and compelling sales skills, and work ethic are the four factors that drive production. There is only one of those I can’t help you with.

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I just helped one of our partners close a $500K sale which I think is only his 3rd or 4th annuity sale as an independent agent. Got his license a year ago and already has $800K on the books since we started working together in the beginning of this year. Tap into the source to make sure you are capturing your share of the market! There is power in cooperative effort when it comes sales strategies when using a fact finder based purpose of money case design. Thanks for the biz! Anthony R. Owen

And….Here they come…..

Merrill Lynch, which had banned commissions on retirement accounts before the Labor Department’s fiduciary rule took partial effect in April 2017, is now considering reversing that move.

The fiduciary rule is essentially dead following a U.S. appeals court ruling in March, which the Labor Department decided this week not to appeal.

“Now that the regulatory environment has shifted … we’re taking at look at our policies, especially as they might affect policies and procedures for individual retirement accounts, to ensure we keep our clients’ best interest front and center,” the company said in a statement. It expects to complete its review of the commission ban in about 60 days.

According to The Wall Street Journal, which broke the story, retirement clients at Merrill have been frustrated by the ban because it meant they had to either

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convert to a fee-based account or to the firm’s cheaper Merrill Edge offering, with fewer investment options, or move their retirement savings to another firm.

“We’d be remiss if we didn’t consider additional flexibility and choice we can provide to clients,” said a source familiar with the situation at Merrill.

“Actions like these are a clear indication that it’s business as usual on Wall Street,” Elliot Weissbluth, CEO of HighTower, said in an email. “With both the DOL and SEC rules failing to protect investors with a true fiduciary standard, firms are going back to taking advantage of customers. It shows that their intention to do the right thing was never pure, but just an attempt to pander to public sentiment. Now, firms are dancing on the grave of the rolled-back regulation.”

Non-Variable Life Sales Rise 2%

U.S. indexed life insurance sales climbed to $486 million in the first quarter, up 11% from the total for the first quarter of 2017, according to

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analysts at Wink Inc. The combined sales total for indexed universal life and traditional universal […]

(FYI, I am planning an entire Open MIC on Risk in a couple of weeks, and I have some important news for you when I do….BB)

Consumers Comfortable Yet Terrified of Risk

Americans seem more comfortable with market volatility, but recoil at the thought of a downturn that could devastate their retirement savings, a new survey has found. Can these contradictory strands really exist at the same time? “Yes, people can be […]

Tax Law Unlocks Life Insurance Opportunity in Estate Planning

Estate planning professionals have been poring over details in the Tax Cuts and Jobs Act of 2017 and assessing the potential implications for their clients. While the lower rates for corporations and most individuals grabbed the headlines, two less publicized […]

Annuities Can Help Boomers Consider Wealth Transfer Plans

The oldest baby boomers are 72 and likely retired or approaching the next chapter in their lives. After being in the workforce for more than four decades, many baby boomers have spent their working years amassing wealth. Now, as their […]

Does the SEC really need to define ‘best interest’? Editorial

Best interest. Act in the client’s best interest. Put the client’s best interest ahead of your own. Regulation Best Interest. The “interest” part of that phrase is pretty easy to understand. Words such as well-being, benefit and advantage are tied […]

SEC Had to Fudge the Definition of ‘Best Interest’

My sympathies go out to the writers at the SEC. The Securities & Exchange Commission did not define “best interest” in its Regulatory Best Interest

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proposal. Why? A true definition isn’t an option for it or the financial industry… or […]

https://lifehacker.com/5697167/if-youre-not-paying-for-it-youre-the-product

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I was out of the country when Brad shared this fantastic concept, it is so true with brokers, financial planners or anyone who gets paid an “assets under management” fee to manage money.

This concept will allow you to compete with anyone who charges fees, simply look at the issue from the other side of the table.

Power, Baby, Power

BB

Ever wonder why it cost nothing to open a YouTube account, Gmail account, Microsoft Mail account and of course the big one, a Facebook account.

The reason, because you are the product, you are what they are selling, you and your info, you are the product. All of these services are free to the consumer, but their big money comes from selling info about you to a marketer.

You are the product.

Now think about a financial planner managing money for a client. Just assume the annual fee is 2% of assets under management. This means the broker is earning 2% of the account value annually, paid quarterly.

Ever wonder why the fee is subtracted quarterly when the SEC has already said the fee can be removed annually? Simple, they hake is a little at a time, so it doesn’t appear to much at any one time. Pure marketing on the part of the industry, take a little but take a little a lot (4 times a year.)

So if the client is charged a 2% management, what does the money mean to the broker? It means that the only downside the broker has is to keep the relationship with the client in good shape. Lunch? Golf? Whatever it takes.

Let’s assume that the clients account increases 0% in a year. Yea, wonderful, terrific….but the client had all the risk, he should get the

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rewards, right? Would you take the risk of earing a possible 10% against the possibility of losing money? Clients do every day.

What is the financial; risk to the broker? NOTHING, he will either make 2% of the client’s account or he will make 2% on the clients account? What? He can’t lose, it is not HIS money at risk, he is simply riding a free income stream, the client ahs provided the broker an annuit, paying 2% per year with no risk!

If the account nets 10%, how much did the broker make? 2%

If the account makes 4%, how much did the broker earn? 2%...but wait, what is 2% and 4% equals 6%...the broker would have earned 33% of the overall yield, a yield paid on an asset he doesn’t own and has no exposure to risk.

You know the guy: “I hate annuities!”

Use this concept when explaining AUM fees to your prospects, I will use 2% as the AUM fee since the man who “hates” annuities charges this as the initial annual fee:

• Gross Return of 10% - 2% = 8% net .... percentage of earned yield paid to broker: 20%

• Gross Return of 8% - 2% = 6% net .... percentage of earned yield paid to broker: 25%

• Gross Return of 4% - 2% = 2% net .... percentage of earned yield paid to broker: 50%

• Gross Return of 0% - 2% = -2%.... percentage of earned yield paid to broker: invasion of principal for cover fees, 2% loss of account value

The broker has NO risk, only upside, never any downside.

What if the account does not earn anything (or loses value), does the broker get paid? YES….

This is an example of a true (and legal) scam.

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Just like you are the product when you open a Facebook account, you become the annuity when you allow the broker to charge you an “assets under management” fee.

Brad Pistole is a student of the game, he invests, he works hard at marketing, a widely known author and radio host, he has built his business to a very elevated site.

The following is an interchange regarding a prospect, he suggested the prospect consider that he was the annuity when he considered paying “assets under management” fees to a broker.

Killer tip, thanks Brad

BB

(the email didn’t copy cleanly, I had to add bold and increase font for you)

This might be the greatest objection handle I have ever heard, ”Ken Fisher LOVES

annuities. You are his annuity!”.

Make sure and carefully read everything Brad has to say in the email below. There is a lot to unpack and

some very essential keys to your success in what he has to share.

Thanks for the biz!

Anthony R. Owen

From: Brad Pistole

Sent: Monday, April 30, 2018 7:21 PM

To: Anthony Owen <tony@annuityagentsalliance.com>

Subject: 600k account

Your warmest lead is always an existing client...

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I have started using my software and my assistant to note my calendar

and remind me of the date when each client turns 59 1/2. Then I

contact the client when they turn 59 and remind them what an

important opportunity they have to move from risk to safety for the

remainder of their working career. I have written several articles and

radio shows regarding this and I keep this information in the

forefront of my client's minds.

About six months ago, I emailed an existing client and reminded them

what a great opportunity they would have in 6 months to move their

large 401k to an FIA IRA. As the market started to fluctuate in

February and March, they remembered my email.

I contacted them again two weeks ago and reminded them of their 59

1/2 birthday, which was on 4/26/18. They asked to meet at 7:30 for

breakfast this past week to discuss this further. He brought his wife.

He and his wife already own three annuities with me totaling

approximately $300,000. He mentioned Ken Fisher (of course) and

said "Why does Ken Fisher say annuities are terrible investments."

Then I told them, "Ken Fisher LOVES annuities. You are his annuity!

When he has your money in a managed account, he gets a lifetime of

income from your accounts every single month no matter how long he

lives.

As long as he collects a monthly fee from your

accounts, you are his annuity! And he loves it!"

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I reminded them that Social Security and Pensions are annuities.

Anything that provides a lifetime of income is an annuity. And I asked

them why they would want to be an annuity payment for someone

else, even when he loses their money. I could see the impact on their

faces when I said this.

This morning, I sent a very simple email to my clients, thanking them

for meeting for breakfast last week and reminding them of the

powerful benefits of the safety and lifetime income of an FIA. He

emailed me right back and said, "Move forward with the transfer."

Because I have spent a significant amount of time teaching these

clients about the impact of taxes on their tax-deferred accounts, we

are setting up 6 separate annuities with the $600,000. We are doing

this to give them the opportunity to convert from an IRA to a ROTH

IRA on smaller amounts of money over the next 5-6 years before he

retires. If all the money is in one account, it would basically keep the

client from ever wanting to convert. It would simply seem far too

expensive. By placing the money into smaller accounts, it makes

perfect sense for a high income earner to move from taxable to tax-

free while they can afford to pay the tax now.

Remember, the average advisor/money manager rarely, if ever, talks

to their client about their plan for removing the money out of their

accounts.

Their goal is to get the money moved INTO their accounts, so they can

start collecting management fees from them. They have no plan for

future taxes and for getting the money back out of the accounts in the

most tax efficient manner. This is what can separate you from

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everyone else. Advance planning for future taxes will show your

clients how much you care about them and their families. And that is

a big deal.

FYI, the $600,000 client from today is a business owner. His wife is

58 1/2. Her special 59 1/2 year old birthday is just 1 year away. And

she currently has $458,000 in her 401k. What do you think the

chances are that I will get that rollover the day she turns 59 1/2?

I like my chances :)

Sincerely,

Brad Pistole President of Trinity Insurance & Financial Services, INC

#1 Best Selling Author of "Safe Money Matters"

2018 "Safe Money Radio Advisor of the Year"

Ed Slott Master Elite IRA Advisor

Million Dollar Round Table "Top of the Table Advisor"

Host of Safe Money Radio, KSGF 104.1 Sat 7-8 am & 3-4 pm and KWTO 560 am Mon & Tues at 10

am

5511 N Farmer Branch Road, Suite 101 Ozark, MO 65721

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If you want to get ahead of your competitors, learn about SS and Medicare. The links below are live. Wonderful opportunity. BB

A June 5 CBS News article by Aimee Picchi of MoneyWatch reports that Social Security costs are expected to exceed income this year - the first time since 1982. This means the federal government must dip into the Social Security trust fund to pay benefits to participants. Trustees of Social Security and Medicare forecast the program reserves will be depleted by 2034, at which point the program could pay about three-quarters of benefits. Social Security is a main source of income for older Americans.

About 23 percent of older married couples rely on Social Security as their main source of income, according to the program.

The Latest on Social Security

Social Security payments are adjusted every year to keep up with inflation as measured

by the Consumer Price Index for Urban Wage Earners and Clerical Workers.

Benefits: Those who sign up for Social Security before their full retirement age receive a reduced payment. Those turning 62 in 2018 will need to wait until 66 and four months to claim their full retirement benefit. The full retirement age for people born in 1955 was 66 and two months; for everyone born between 1943 and 1954, it was 66.

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Social Security beneficiaries will get 2 percent bigger payments in 2018. Social Security benefits were increased by only 0.3 percent in January 2017, the last increase since increasing 1.7% in 2015, following a 1.5% COLA for 2014. Previous cost-of-living adjustments have ranged from zero in 2010, 2011 and 2016 to 14.3 percent in 1980.1,2

The average monthly Social Security payment is expected to increase by $27 to $1,404 in January 2018. Couples who are both receiving benefits will see their payments climb by an average of $46 to $2,340. The maximum possible Social Security benefit for a worker who begins collecting benefits at full retirement age will be $2,788 in 2018, up from $2,687 in 2017. The average retired couple received $2,176 per month in 2015. A single retiree claiming benefits at the full retirement age of 66 in 2015 got a maximum monthly Social Security payment of $2,663.1,2

2018 Trustee Projections: The Social Security program’s costs are expected to exceed its income in 2018, marking the first time that has happened since 1982 and forcing the Federal Government to dip into the retirement system’s trust fund to pay benefits to participants. The program’s trustees said the shortfall trend could worsen in the decades to come, and forecast that reserves will be depleted by 2034, at which point it won’t be able to pay full benefits on a timely basis. The report said that if the funds are depleted, the program could pay about three-quarters of benefits. 3

Tax Considerations: As always, part of your Social Security benefits may be taxed. This may happen if you exceed the program’s “combined income” threshold. (Combined income = adjusted gross income + non-taxable interest + 50% of Social Security benefits.)4

The Social Security wage base continues to climb. Workers will contribute 6.2 percent of their earnings to Social Security until their income exceeds $128,700 in 2018, up from $127,200 in 2017, compared to the $118,500 threshold set in 2015. 1,2

What about Social Security’s projected long-range shortfall? Social Security projects that it can tap its combined trust funds of roughly $2.8 trillion to pay 100% of scheduled retirement benefits through 2033. Thanks to the aging of the baby boomers, however, it has begun paying out more than it takes in. Social Security’s trustees project annual cash flow deficits averaging $77 billion across 2014-18, which could subsequently increase. 5,6

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How does Social Security fix that? The simple fix many legislators have suggested is to hike the full retirement age. The Full retirement age for those turning 62 in 2018 is set to 66 and 4 months and will increase by 2 months each year until it reaches age 67 for everyone born in 1960 or later. A 2014 SSA report noted the potential savings that might result from incremental adjustments. If the full retirement age was gradually raised to 68 during the next six years, that would cut 15% from the program’s present deficit. If it gradually raised it to 69 across the next 12 years, Social Security’s long-term shortfall would shrink 35%. The boldest suggestion – swiftly taking the full retirement age north to 70 and denying seniors a chance to claim Social Security until age 64 – would reduce the program’s deficit by 48%. Of course, the social and economic effects of even the less drastic moves could be devastating for many retirees.1,7

Another suggestion would be to radically hike the Social Security wage base to expose 90% of earned wages to Social Security taxes; the SSA says that move could reduce the long-range Social Security deficit by 48%. Alternately or in conjunction, the payroll tax could be raised from 12.4%; taking it up to 15.5% could get rid of the long-range shortfall and possibly leave a surplus, the SSA estimates.7

Or, Social Security COLAs could be linked to price growth instead of average wage growth – that is, to the “chained” CPI rather than the regular Consumer Price Index. In their above-mentioned 2014 report (which contains 120 ideas for reforming the program), Social Security trustees posit that basing COLAs on chained CPI would cut the long-term deficit by 19%. The SSA says COLAs could be 0.3% smaller annually if they were based on the chained CPI, which assumes that consumers buy cheaper versions of certain goods and services in the face of rising prices. Senior advocates would prefer COLAs being linked to the experimental CPI-E, an index the Bureau of Labor Statistics uses to track spending patterns of retirees. The CPI-E tends to rise 0.2% faster than the regular Consumer Price Index.7,8

What if some of Social Security’s reserves were invested in equities rather than Treasuries? Some economists contend this could have nightmarish results, others praise the idea. The SSA notes that if 40% of the Social Security trust funds were directed into equities with an average inflation-adjusted return of 6.4% per year – as opposed to special-issue Treasuries with long-term, inflation-adjusted returns of 2.9% a year – Social Security’s long-range funding gap would decrease by 21%.7

How much retirement income do you have these days? With Social Security’s future still surrounded by questions, you may be thinking about where your retirement income will come from in the years ahead.

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The Impact Of Health Costs on Social Security In light of the changing rules of retirement, increasing costs of care and premiums, and the average retiree depending on Social Security more and more, the need of retirees to generate another form of guaranteed income has never been greater. Less than 8 percent of Americans have factored health costs into their financial plan or their strategy on how to collect Social Security, which over half of all retirees today rely on for more than 50 percent of their income in retirement.

Since most seniors are retirees, the effects of rising prices, especially for health care which is one of the fastest-rising costs in America, can take a bigger bite each year out of shrinking retirement budgets.

I know I preach on this all the time, but the facts speak for themselves, when dealing with your clients and prospects, consider the effect of medical costs on retirement planning. Q: How many people in America are on Medicare? A: 60 million (as on this month)

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Average out-of-pocket health care spending for Medicare patients (Photo: Kaiser Family Foundation)

vulnerability is a big piece of the picture.”

TIP: Use this verification tip to enhance your relationship with your clients and prospects.

The Social Security Administration stopped mailing paper Social Security statements to everyone under age 60 in 2017, so you may have to sign up for an online account to check your Social Security statement periodically and verify your information.

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This type of marketing is easy, free and effective…..BB Hello Partners, Now is a great time to use your Retire Village accounts for an off-week drip on 5-year guaranteed rates to capture the attention of your clients that still have their money in FDIC accounts.

1. Log on to www.annuity.com/agenttools

2. Look up rates for your state. (Sample attached)

3. Exclude carrier names or get carrier approval if you use their names. 4.

Use your Retire Village account to send out a solicitation using the top 3 rates.

5. Use the following disclosure: The preceding information does not

represent tax, legal, or investment advice. Surrender charges apply to base contracts. Guarantees are based on the financial strength and claims paying ability of the insurance company. It is important that you read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on this program may vary based on state availability and are subject to change without notice.

6. Send out the solicitation on the off week of the automated scheduled

drip. Thanks for the biz, Anthony R. Owen

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View in Web Browser

ISSUE DATE: June 18, 2018

Annuity.com David Townsend

View Website

Not All Employees Are Equal

Key employees make an important contribution to a business's profitability and growth. It's in a business owner's best interest to recognize their role. We can help you become an expert on offering executive compensation solutions to your business owner clients. This BOLD executive compensation guide will help you understand executive compensation strategies in more detail.

Help Minimize Tax Risks in Retirement with an IUL The last thing your clients are expecting is an increase in taxes during retirement. Learn how an IUL policy can provide a supplemental source of income, which can help clients avoid increases to their effective tax rate. Read more.

A Retirement Income “Backstop” Approach Clients are looking for solutions to help address the risks they face in retirement such as outliving assets, needing long-term care, protecting loved ones and more. Funding a Retirement Income "Backstop" plan with a permanent policy like Accumulation IUL, can help protect, provide and preserve assets in retirement. Learn more.

IUL For the Small Business In Advisor Magazine’s May 2018 issue, Life & Retirement’s Jeff Barker suggests that IUL is the life insurance product every small business should have. Find out how IUL in executive bonus arrangements can help recruit and retain employees. Read full article.

Protection for Today, Income for Tomorrow

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Along with death benefit protection, a permanent life insurance policy can help supplement retirement income in a tax-favored way. Use the new John Hancock Quick Concept, Supplementing Retirement Income with Life Insurance, to help illustrate this idea with your clients. Click here for more information and to see a sample presentation.

Annuity.com David Townsend

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June 18, 2018

THIS WEEK'S ANNUITY CARRIER NEWS Guggenheim Guggenheim is excited to announce that E-Applications for their Highlander™ and Highlander 7™ Fixed Indexed Annuities are NOW AVAILABLE in the agent portal at GuggenheimLife.com. Benefits of our self-guided, agent-friendly E-Application:

• Guarantees no printing, mailing, faxing, or emailing participants to the Home Office.

• Ensures the use of the most current forms. • Minimizes "Not In Good Order" (NIGO) application submissions. • Captures a single electronic signature that signs all of the forms at

once. • Allows supporting documents to be attached and submitted

electronically.

ONGOING ANNUITY CARRIER NEWS

Allianz Exciting news! Effective June 5, 2018, Allianz will be increasing the bonus on the Allianz 222 from 20% to 22%. They are also increasing the rates across the board on all of the products, for more information please click here. Please be aware that you will need an updated Statement of Understanding form and they will no longer provide printed FIA applications. For more information please visit www.allianzlife.com. Guggenheim Guggenheim is launching a new S&P Marc 5 index with 100% Par 1 yr PTP on the Highlander FIA, attached is the strategy highlight sheet. They have also changed rates on the Trivysta FIA, please see attached rate sheets for specific changes.

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North American North American has announced several changes effective Tuesday, June 12th on several of their products. FIA rates are improving on the following products:

• NAC RetireChoice® • NAC VersaChoiceSM • NAC IncomeChoice® • North American Charter® Plus • NAC BenefitSolutions® • Performance Choice®

Plus, the NAC FoundationChoice Plus is also undergoing a rate increase. The Premium Bonus on the Performance Choice 12 Plus FIA is decreasing from 7% to 5%. Trail Commissions (Option D) will be INCREASING to 1% on all annuity products with a term of 9 years or more. Commissions will be DECREASING on annuity products with terms of 8 years or less. Please contacting your First Annuity Advisor Consultant for updated rates sheets and commission schedules.

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We are agents too!

You can get current annuity rates and other information

at: www.annuity.com/agenttools

Like all agents, we also need leads. Our approach has always been building and developing marketing systems. We strive for new and better ways to get in front of “target” marketed prospects.

Our systems are tried and true, they work.

“Time Invested Marketing”

27 | P a g e A s a l w a y s , f r e e t o a l l : O u r 2 6 t h y e a r

Disclaimer:

David Townsend and I own Annuity.com, but we have many marketing friends, friends that you might be better off if you knew them. Sherilyn Orr at Retire Village and Infofuel, Chad Owen at Eagle Shadow, Anthony Owen at Annuity Agents Alliance, Carl, Darin, Tom and all the crew at First Annuity….and many more.

We take copyright seriously, articles posted on Open MIC from other sources are always credited to that source.

The information I create myself and used in Open MIC is free; I assert no copyright or literary rights.

Please verify all statements before “quoting” remarks made in Open MIC, occasionally, I use editorial latitude.

Bill Broich