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Fixed Annuities and Life Insurance for Agents 

800-373-9697            For Agent Use Only!

March 05, 2015
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    Fixed Annuity & Life Wholesaler  
Income For Life - Now Or In The Future
Guaranteed Income Options
Get illustrations and product information! 
Single Premium Immediate Annuities (SPIA)
Clients who need the highest guaranteed income now!
SPIA's have an extraordinary long history of safety so there really is no substitute for immediate income. 

QLAC and DIA's 
For clients who have a specific plan and need for deferring income these immediate annuities are wonderful options with NO FEES. While the DIA's have been around for decades the QLAC is new product option for deferring RMD. 

Call me for details on ways to increase guaranteed income.
Request A SPIA Quote  
Voya Financial Ratings Increased 




Standard & Poor's (S&P) announced that it has raised its ratings on Voya's insurance subsidiaries to "A" from "A-". 
At FSD we look for carriers and products that will leave a lasting good impression with the clients. Below are two clean and simple FIA's with GREAT CAPS.  We like what we are seeing from Voya and look forward to the new product, see link below. 

As an incentive, we have set up a special bonus program for agents who appoint with Voya. Prizes start at $100,000 of premium and will be cumulative. Get appointed here.  

The  Wealth Builder Line - Check Out These Caps!

Voya Wealth Builder Eight Annuity 

    $15,000 Band $100,000 Band $750,000 Band
Point-to-Point Cap Index Strategy: cap
4.00%
4.75%
5.00%
Performance Trigger Index Strategy: trigger 2.60% 3.10% 3.25%
Interest Rate Benchmark Strategy:*

cap

multiplier

10.00%

2.95

10.00%

3.35

10.00%

3.55

Fixed Rate Strategy: rate 2.00% 2.00% 2.00%

Voya Wealth Builder Six Annuity

    $15,000 Band $100,000 Band $750,000 Band
Point-to-Point Cap Index Strategy: cap 3.25% 4.00% 4.25%
Performance Trigger Index Strategy: trigger 2.00% 2.50% 2.60%
Interest Rate Benchmark Strategy:*

cap

multiplier

10.00%

2.60

10.00%

3.00

10.00%

3.25

Fixed Rate Strategy: rate 1.50% 1.50% 1.50%

New FIA coming from Voya The Wealth Builder Plus- Learn More

Effective March 9, 2015

Due to lower treasury yields and a volatile economic environment, income rider payouts (maximum annual withdrawal) will be reduced effective March 9, 2015. 

MYGA - Guaranteed Fixed Annuity Rates  

Liberty Bankers rates are Dropping by 0.10% on 03/16/2015

Product
Rate
Matching Surrender Term - Commission
Bankers Elite 3 2.00% Guaranteed 3 Years - 2.00% (0-90)
Bankers Elite 5
3.25%
Guaranteed 5 Years - 2.25% (0-90) 
Bankers 5  2.70%  Guaranteed 5 Years - 3.25% (0-80) 1.50% (81 - 90) 
Bankers Elite 7 3.40% Guaranteed 7 Years - 2.50% (0-85) 
Bankers 7 2.90% Guaranteed 7 Years - 4.00% (0-80)
Bankers Elite 9 3.55% Guaranteed 9 Years - 2.75% (0-80)

Win A Trip
Turks & Caicos Island 2015
$1.5 million production credit
 

Details  

 

  
LIFE INSURANCE SPWL
Use SPWL To Leverage Assets And Transfer Wealth 
13% Commission | A- Rated Carrier
 
(Life Insurance You Can Use While You Are Alive)
Accelerated Living Benefit for terminally ill (75% of DB up to $250,000)

In this low interest rate environment, it can be difficult to grow your money fast. Stocks and mutual funds fluctuate and principal could be lost. The average 5-year CD rate is less than 1.80%. If you are looking for tax deferral and steady growth, a fixed annuity is a good option since those 5 year rates are as high as 3.25%. However, the best way to truly leverage your money may be to buy life insurance, specifically Single Premium Whole Life (SPWL). See more

Feel free to call Darren for more life insurance marketing ideas! 

| SPWL Product Profile | Agent Appointment |

In Case You Missed It! Linked-In Posts  
Past Posts By Jeff Affronti
Click on topic: 
Life Insurance Agent Appointment and Commissions
We want your Life business!!
Wide range of products
Index UL, Guaranteed UL, Term, Single Premium Whole Life

Great commissions
Over 100% (first year target) on Index UL and GUL
11-13% on Single Premium Whole Life

Company Incentives
Cash Bonus Programs
Exotic sales conference trips

Please call Darren (800-373-9697) for details/quotes!
Carrier Updates 

Beginning March 9, 2015, the Client Profile Form for fixed and income annuities is changing. The new format replaces earlier versions in an effort to better obtain and organize necessary client information. Previous versions will be accepted through May 8, 2015. After that date, the new format will be required for all new business submissions. Find out more.


 
AIG Fixed Annuity Rates


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8% Benefit Base Enhancement dropping on the SecureLiving Index 10 Plus and the Income Protection Rider - Effective March 9, 2015
 

The Benefit Base Enhancement will be dropping from 8% to 4% effective March 9th. The Premium Enhancement will also be decreasing. In order to receive the higher Benefit Base Enhancement on the Income Protection rider and the higher Premium Enhancement on the SecureLiving Index 10 Plus, applications must be dated prior to March 9th and received in our office within 14 days of the application signed date. 


 

 

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Effective March 9, 2015


Due to lower treasury yields and a volatile economic environment, income rider payouts (maximum annual withdrawal) will be reduced effective March 9, 2015. 

Rate Sheets  
FSD Agent Rate Guides

Deferred Annuity Quick Reference Agent Guide 

Indexed Annuity Quick Reference Agent Guide
 

Company Rate Sheets

What We Do  
Fixed Annuity and Life Wholesaler
FSD Financial is a fixed annuity and life insurance wholesale agency. We work directly with you, the agent. We are here to assist in product selection, brainstorming, follow-up on new business submissions and paperwork assistance. We focus on the product features and rates that benefit your clients and quickly respond to requests. 

Focusing on marketing products that offer guaranteed steady gains is how we have always done it with very good results and happy clients! 

Jeff Affronti
jeff@fsdfinancial.com
FSD Financial Life and Annuities
FSD FINANCIAL SERVICES 

5530 Corbin Ave. Suite 101 - Tarzana, CA 91356
Quality Integrity Expertise 

www.fsdfinancial.com
 
800-373-9697

  Agency:
FSD Financial Services
National Marketing Organization

Licensed in most states.
CA Insurance License 0B91910 and 0B67385
FOR AGENT USE ONLY  

In This Issue
INCOME NOW
VOYA Ratings Increase
26.37% After 7 Years
SPWL Wealth Transfer
Articles For Agents
Life Insurance We Want It
Carrier Updates
Fixed Rates
Join FSD On-Line
2015 News
Marketing Help
CONTESTS
Annuity Webinars
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