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New Baa Series Income Rider

Available March 5, Annexus is offering an income benefit rider whose value “rolls up.”  The income benefit base of this BalancedAllocation Lifetime Income Rider (BALIR) not only increases by 5% compounded annually, but the actual indexed linked...

Allocation, Rider & Fee Changes

Effective March 6, Aviva is implementing changes to the BalancedAllocation Annuity Series. For the BAA 8, the Premium Bonus Rider and Family Endowment Rider combined fee will decrease from 0.95% to 0.85%. The Premium Bonus Rider rate will adjust from 4% to 3%. For the...

Temporary Product Suspensions

Effective February 24, North American Company for Life and Health (NACOLAH) will suspend the following fixed annuity products due to continued pressure from the low interest rate environment: Guarantee Choice 3-year option, Charter series 7-year option, Freedom Choice...

Stop And Look!

I observed my five-year mark as President of the premier Independent Marketing Organization in our industry last month. When I started in this role at Creative, we had just finished a $1.1 billion sales year in annuities, were located in a different building,...

“I Gotta Guy” With Abnormal Liver Function

by Bernice Casey, Senior Underwriting Consultant, Creative Life As you grow your business and work to place policies on clients of all ethnicities, backgrounds, ages and lifestyle habits, you will become increasingly familiar with just how varied underwriting...

A Multi-faceted Solution For A Secure Future

The month of February leads many people to think of everything from cupids and engagements to roses and diamonds. Merriam-Webster defines the word diamond as “a native crystalline carbon that is the hardest known mineral that is usually near colorless.”...