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The good, bad, and ugly of guaranteed annuities.
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Are you planning on writing a SPIA soon? We can help with that!

Are you utilizing TAG’s SPIA quoting engine for comparing the top choices? Are you aware of the current pricing environment? Lifetime income riders are catching up to SPIA Lifetime income payments. Contact Dustin today for a comparison quote and see for yourself.

Product A
  • Lifetime income *
  • No liquidity
  • Fair commissions
  • Limited beneficiary protection for premature death

 
Product B
  • Lifetime income *
  • Doubles for LTC
  • Liquidity in case of emergency / change of heart
  • Good compensation
  • Good beneficiary protection in case of early death
* Lifetime income - this is why the time is NOW.
Here's the exact wording from two recent carrier communications:


"In looking ahead, insurance carriers will adopt new mortality tables in 2016. People are living longer; therefore carriers will be making adjustments to lower the guarantees. Although it is too early to predict what exactly those changes will entail, this does indicate the current rates are as good as they will ever be and this is an excellent time to capitalize on the opportunity. That means, now is the time to purchase guaranteed lifetime income.”

“We will be making changes to our Income Pay rider effective December 1, 2015, due to the adoption of new mortality tables adjusted for the increase in life expectancy. Other carriers, like us, are required to apply these new tables which will generally result in adjustments to life contingent guarantees and payouts.”

 

Let's make it real for you. Call 877-621-2963 or email Dustin and we'll get designing for you.

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Our website offers a lot of useful tools that make your job easier. Check it out at tagpartners.org.

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