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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

Allianz

  • Endurance Plus 10
  • MasterDex X 10
  • Allianz Preferred Line
    • 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)

Allianz

  • 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

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.

The Power of Annuities In A Retirement Strategy

Now is the Time to Sell Fixed Index Annuities!

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