UNBIASED, EXPERT ADVICE AND ACCESS TO THE BEST PRODUCTS
INDEX ANNUITIES
AIG
- Power Select Builder
- Power Select Plus Income
- Power Index Plus/Income 7
- Power Index Plus/Income 10
- Power Index 7/Choice
- Income Rider
American National
- Strategy Index Plus 7
- Strategy Index Plus 10
- Value-Lock Index 7
- Value-Lock Index 10
Athene
- Choice 10
- Benefit 10
- Enhanced 10
- Accumulator 5
- Ascent Pro 5
- Ascent Pro 7
- Ascent Pro 10
- Income Rider
Genworth
- Secure Index 5
- Secure Index 7
- Secure Index 10
- Income Rider
Great American
- Custom 10
- American Legend 7
- Safe Return 10
- Safe Outlook 6
- American Valor 10
- Income Rider
Lincoln National
- New Directions 6
- New Directions 8
- OptiChoice 5
- OptiChoice 7
- OptiChoice 9
- OptiPoint 8
- OptiPoint 10
- OptiBlend 7
- OptiBlend 10
- Income Rider
National Western
- Impact 7
- Impact 10
- Ultra Classic
- Global Lookback
- Ultra Benefit
- Ultra Future
- Ultra Value
- Income Rider
New York Life
- Secure Term Choice 5
- Secure Term Choice 6
- Secure Term Choice 7
- Clear Income 7
- Secure Term MVA 3
- Secure Term MVA 5
- Secure Term MVA 6
- Secure Term MVA 7
North American
- Ten 10
- Retire Choice 10
- Retire Choice 14
- Performance Choice 8
- Performance Choice 12
- NAC Income Choice 10
- NAC Income Choice 14
- Benefit Solutions 10
- Benefit Solutions 14
- Income Rider
Principal
- Performance 7
- Secure Choice Index Annuity 4
- Secure Choice Index Annuity 5
- Secure choice Index Annuity 6
- Secure Choice Index Annuity 7
Protective
- Index Annuity 5
- Index Annuity 7
Reliance Standard
- Keystone 5
- Keystone 7
- Keystone 10
Symetra
- Edge Pro 5
- Edge Pro 7
Voya
- Wealth Builder 6
- Wealth Builder 8
- Wealth Builder Plus 8
- Opps Plus 10
- Secure 5
- Secure 7
- Quest 5
- Quest 7
- Quest Plus 10
- Index Outlook 10
- Lifetime Solutions
- Income Rider
ANNUITY/LTC COMBOS
Lincoln National Life
- Money Guard
- Money Guard Plus
- Money Guard Plus II
National Western
- NWL Lifetime Solutions
- NWL Lifetime Select
One America
- Asset Care
FIXED ANNUITIES
AIG
- Horizon Flex 9
- Solutions MYG 5
- Solutions MYG 6
- Solutions MYG 7
- Solutions MYG 8
- Solutions MYG 9
- Solutions MYG 10
American National
- Citadel 5
- Citadel 7
- Palladium Century 10
- Palladium MYG 5
- Palladium MYG 6
- Palladium MYG 7
- Palladium MYG 8
- Palladium MYG 9
- Palladium MYG 10
Athene
- Max Rate 7
- MYG/MYG MVA
GBU
- Preferred 5
- Preferred 8
Genworth
- Independence 6
- Liberty 6
- Rate Saver 5
- Rate Saver 7
- Smart Rate 7
Great American
- Securegain 5
- Securegain 7
- Secure American 5
- Secure American 7
Lincoln National
- Lincoln MYGaurantee 5
- Lincoln MYGaurantee 6
- Lincoln MYGaurantee 7
- Lincoln MYGaurantee 8
- Lincoln MYGuarentee 9
- Lincoln MYGaurantee 10
Mutual of Omaha
- Bonus Flex 6
- Ultra Secure 6
New York Life
- Preferred Choice
North American
- Guaranteed Choice 3
- Guaranteed Choice 4
- Guaranteed Choice 5
- Guaranteed Choice 6
- Guaranteed Choice 7
- Guaranteed Choice 8
- Guaranteed Choice 9
- Guaranteed Choice 10
- Guaranteed Choice II
Principal
- Preferred Series Annuity
- Select Series Annuity 3
- Select Series Annuity 4
- Select Series Annuity 6
- Select Series Annuity 9
Protective
- FutureSaver 5
- FutureSaver 6
- FutureSaver 7
- FutureSaver 8
- FutureSaver 9
- FutureSaver 10
- ProSaver Secure 7
Reliastar
- Premier 3
- QuintaFlex
Reliance Standard
- Apollo – MVA 7
- Apollo – SP 7
- Eleos – MVA 5
- Eleos – SP 5
SBLI
- Optimizer 5
- Optimizer 6
- Optimizer 8
Symetra
- Custom 5
- Custom 7
Voya
- Guarantee Choice Annuity 7
- Guarantee Choice Annuity 10
- Classic Choice NY 5
- Classic Choice NY 7
- Classic Choice NY 10
SPIAS & DIAS
AIG
- American Pathway Immediate Annuity (SPIA)
American National
- SPIA
Athene
- Athene SPIA / Retire Income
Genworth
- SPIA
Great American
- SPIA
Lincoln National Life
- Lincoln Insured Income Immediate Annuity (SPIA)
- Lincoln Deferred Income Solutions Annuity
Mutual of Omaha
- SPIA
New York Life
- Guaranteed Immediate Income
- Guaranteed Deferred Income
North American
- North American Income (SPIA)
Principal
- Immediate Income Annuity (SPIA)
Protective
- Protective ProPayer Income Annuity (SPIA)
Symetra
- SPIA
Voya
- Voya Single Premium Immediate Annuity (SPIA)
Accumulation
The Retirement Boom is undeniably a huge market with over $25 Trillion in retirement assets. BSMG has the impartial expertise you need. Challenge us to analyze whatever product your client has been shown. We’ll show you what they should or should not do, based on their goals and their total financial picture.
Annuities exist for two reasons:
- Tax Deferred Accumulation
- Guaranteed Retirement Income
The Power of Tax Deferral
Fixed Index Annuities (FIAs)
Fixed Index Annuities (FIAs) are on the rise. Sales have doubled in the last 10 years to $54.6 billion in 2015 and the momentum is continuing in 2016 with 31 billion in sales just through the second quarter. BSMG offers the most client-centric FIAs. This means we are more selective with carrier financial strength, product transparency and product liquidity. More top advisors are selling FIAs due to fixed rates remaining low and clients wanting the higher growth potential with principal protection.
WHAT YOU NEED TO KNOW
ABOUT FIXED INDEXED ANNUITIES
FIAs are fixed annuity products. The client’s deposit is inside the general account of the insurer, not in the market.
- The rate of return for any crediting period can never be less than zero.
- Interest is credited on the anniversary date.
- Most commonly, interest is credited every year, but some products credit less frequently (every 2 or more years).
- Interest credited is a portion of the positive return of an index such as the S&P 500 index, not including dividends
- Most FIAs offer a few different crediting methods and more than one index.
THE BENEFITS
OF A FIXED ANNUITY
Fixed and Fixed Index Annuities hold a very important place on the risk/reward spectrum. As the investor’s risk tolerance wanes, Fixed Annuities protect against the market risk. There are no negative performance years. The benefits include:
- Clients are guaranteed a fixed rate of interest for one or more years.
- Principal protection – backed by the full faith and credit of the issuer.
- Higher fixed returns than other fixed vehicles, such as money markets or CDs.
- Tax-deferred growth.
- Probate avoidance.
- No RMDs (NQ $ only).
- No annual fee.
- Penalty-free partial withdrawals and death benefits.
