In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!

Don't create a false expectation based on a best-case scenario. With DI PreView, you can email or text your clients a personalized, secure questionnaire to get an accurate snapshot of their health history so you can recommend the right product quoted at the right price.

Unlike an annuity, which offers straightforward guaranteed payments, a LIRP (life insurance retirement plan) is a little more nuanced and not for everyone. Use this flow chart to find out if your client is a fit.

From initial case design to underwriting support and advanced marketing strategies, our dedicated team will guide you toward optimal outcomes for your clients. Use this flow chart to see how we can help you through every step of the insurance process.

Your goals can change in just a few years. There may be a different solution that could help you better achieve your new goals or maybe market changes created new opportunities you're not aware of. With the Annuity Audit, you can ensure your coverage keeps up with all of life's changes.

In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.

Business owners are looking for ways to attract and retain key employees, and sometimes group LTD is not enough. With multi-life disability coverage, business owners can protect more income for their key employees. Here's what to look for and three steps to get started.

Here's your how-to guide for multi-life disability insurance – an untapped solution for an unmet need. Unlock the potential of multi-life DI and discover the best businesses to target, how to gather the needed information and how to get the policies approved.

There are hidden opportunities in your book of business. By leveraging our cutting-edge technology and specialists to streamline your in-force policy management process and optimize client connections for future growth, we can help you uncover them.