Selling Variable Annuities to Future-Oriented Investors

A Variable Annuity is a retirement savings vehicle that appeals to investors who don’t mind a little risk, as long as the potential for a great payoff justifies the risk in their eyes. With Brokers Alliance®’s retirement investment tools and strategy tips, we making selling annuities easier, you can convince risk-seeking clients that Variable Annuities are a perfect addition to their investment portfolios.

• Gain access to resources that make marketing Variable Annuities worth your while

• Market Variable Annuities to clients who are concerned with the short-term future, as well as those who care more about the long-term.

• Focus on minimum payments and the protection they offer for investors interested in Variable Annuities but concerned about the risk

• Distinguish between immediate and deferred Variable Annuities, and help your clients understand which type is in their best interest

Click HERE for more tools on our myAdvisor Cloud (MAC).

Frequently Asked Questions

What is a variable annuity?

A variable annuity is a tax-deferred contract whose value rises and falls with underlying investment subaccounts the client selects. It offers market participation and optional living and death benefit riders, and because it is a registered product it requires a securities license to sell.

How does a variable annuity 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.

What license does an agent need to sell a variable annuity?

A variable annuity is a registered security, so an agent must hold the appropriate securities registration and offer it through a broker-dealer, in addition to a life insurance license. An agent without securities registration should partner on these cases rather than present them directly.

Does Brokers Alliance charge agents a fee to sell annuities?

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.