Fixed Indexed Annuities

Marketing Fixed Indexed Annuities to Your Clients

Fixed Indexed Annuities are a hot commodity, an investment product you can expect clients to be interested in for years to come. Our advisors can help you pitch these lump-sum investments and their guaranteed payoffs to clients planning for their retirement. One way to do this is to explain that fixed annuities work similarly to CDs but are generally higher yielding.

 

• Help your clients devise a balanced retirement income plan that includes Fixed Indexed Annuities

• Demonstrate the appeal of fixed indexed annuities to risk-averse investors planning for retirement

• Get the tools to help your clients understand, on our myAdvisor Cloud (MAC), that it’s never too early to invest in a fixed indexed annuity

• Gain access to examples of real indexed annuities that have done great things for investors’ retirement portfolios

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

Frequently Asked Questions

What is a fixed indexed annuity?

A fixed indexed annuity, or FIA, credits interest tied to the performance of a market index, with a floor that protects principal from index losses in exchange for a cap or participation rate that limits the upside. It is a tax-deferred contract used for protected accumulation and, with an optional rider, lifetime income.

Who is a good fit for an FIA?

An FIA fits the client who wants growth linked to an index without direct market risk, often someone approaching or in retirement who cannot afford a large loss. It suits both the accumulation client and the client buying guaranteed lifetime income through an income rider.

How does an income rider work on an FIA?

An optional income rider layers a guaranteed lifetime withdrawal benefit on top of the contract, so the client cannot outlive the income regardless of index performance. The rider has its own roll-up and payout mechanics, which an agent should compare across carriers before recommending one.

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 because Brokers Alliance owns no carrier, the recommendation follows the client rather than a house product.