Selling Annuities

Retirement Annuity Products


A fixed indexed annuity with an 8% premium enhancement added to the account value on the date we receive the premium.


A fixed indexed annuity with a 4% premium enhancement. The same great features as the Royal-Select but with a higher interest rate cap.


A fixed indexed annuity with a 3, 5, 7 & 10 Year duration offering the highest interest rate caps.


A Multi-Year Guaranteed annuity with rate durations from 3–10 years.

Fixed annuities are insurance products which protect against loss and generally offer fixed rates of return. The rates are typically based on the current interest rate environment. They are offered by licensed and regulated insurance companies.


Traditional fixed annuities are regulated by state insurance departments and sold through insurance agents, banks, or registered representatives. They must provide a minimum rate of interest. Traditional fixed annuities pay interest on premium at a rate declared by the insurer in advance.

Some traditional fixed annuities offer multiple years guaranteed at the same rate, while others will leave the insurance company with the ability to adjust the rate annually. This rate can never be less than the minimum guaranteed rate stated in the policy

Fixed Indexed Annuities, also known as a retirement annuity, are a conservative safe money place for retirement dollars that usually provide a purchaser with various options for interest crediting. This type of annuity product is designed for higher potential interest rates, and provides other allocation options which consider the performance of an outside stock index (such as theStandard & Poor’s 500) to determine the rate of interest.

All indexed annuities have a floor of zero, meaning the absolute worst-case scenario due to a downturn in the market index is a consumer might receive no interest, in a particular year, however, he or she cannot lose any previously credited interest or premiums.

How Annuities Work

An annuity is a long-term investment issued by an insurance company and is designed to help protect individuals from outliving their income. Through annuitization, if elected, purchase payments (what your client contributes) and interest earned are converted into periodic payments that can last for life.

  • Select a fixed or indexed rate of return
  • Choose to start receiving payments when you need income the most
  • Invest with a single payment featuring tax-deferred investment growth

A Guaranteed Lifetime Withdrawal Benefit (GLWB) is a rider to an annuity contract that allows for withdrawals, either regular or occasional, to be made from an annuity during the accumulation phase without penalty.

The annuitant pays for the GLWB rider with additional fees that are added to the total value of an annuity contract. The amount of money that is allowed to be withdrawn is a percentage of the total value of the annuity. A GLWB allows the purchaser to elect a lifetime payout while maintaining control of the annuity.

When selling annuities, we have a variety of Product Calculators and Demonstrations to choose from so you can help your clients find the best annuity product for their retirement. Our annuity calculators provide a hypothetical look into our Fixed Indexed Annuity products using the actual changes in the S&P 500 Index.