Variable Annuities

Help future-oriented investors put market upside inside a tax-deferred contract

A variable annuity appeals to clients who do not mind a little risk, as long as the potential payoff justifies it. Brokers Alliance gives you the retirement investment tools and strategy to make the case cleanly.

Get contracted Talk to the team

01 · What it is

The variable annuity, defined plainly

A variable annuity is a tax-deferred contract whose value rises and falls with the underlying investment subaccounts the client selects. It offers direct market participation and optional living and death benefit riders. Because it is a registered product, it carries a different profile than a fixed contract.

Tax-deferred growth Client-selected subaccounts Market participation Optional living and death benefit riders

02 · How to market it

Position the story to the right investor

Gain access to resources that make marketing variable annuities worth your while. The product fits clients who accept risk in exchange for potential payoff, and the framing shifts depending on their time horizon.

TH Short-term and long-term

Market to clients focused on the short-term future as well as those who care more about the long-term. Match the message to the horizon.

MP Minimum payments

For investors drawn to variable annuities but concerned about the risk, focus on minimum payments and the protection they offer.

ID Immediate vs. deferred

Distinguish between immediate and deferred variable annuities, and help each client understand which type is in their best interest.

03 · Licensing

Know the registration requirement

A variable annuity is a registered security. An agent must hold the appropriate securities registration and offer it through a broker-dealer, in addition to a life insurance license. If you do not carry securities registration, partner on these cases rather than present them directly ... that is exactly the kind of collaboration Brokers Alliance is built for.

Securities registration required Offered through a broker-dealer Life insurance license in addition Partner when you are not registered

04 · Common questions

Variable annuity questions we hear

The answers agents ask about most, before they write the first case.

VF How does it differ from a fixed indexed annuity?

A variable annuity exposes the account value directly to market gains and losses through subaccounts. A fixed indexed annuity protects principal with a floor and links interest to an index with a cap. The variable annuity offers more upside and more risk; the FIA protects against loss.

$0 Does Brokers Alliance charge agents a fee?

No. There is no contracting fee, no platform fee, and no monthly cost. Contracting is free and open, and Brokers Alliance is compensated by the carriers when business issues, not by the agent.

Ready to write your next variable annuity case?

Independently owned since 1982 and based in Fountain Hills, Arizona, Brokers Alliance backs agents, agencies, IMOs, FMOs, and BGAs with the tools and carrier access to sell with confidence. Contracting is free. Call (866) 872-9394 or reach out below.

Get contracted