We’ve seen every company lower rates over the past 6 months or so. It’s nice to see a carrier attempt to raise rates.  Genworth has come out with their newest cap strategy called the CapMax.  The idea is that you can trade in your gains for more upside. So if the cap is 3.5% in [...]

Are you tired of hearing about the latest marketing fad that will be here today and gone tomorrow?  We have a rare and unique training program that can help take your business to the next level.  It comes at a very low cost, but it is highly effective.   This is a monthly program that [...]

Every state requires some sort of Continuing Education (CE) credits that each producer has to complete to keep his/her life insurance license in good standing. See below for what the South Dakota Insurance Department requires.   10 CE hours are required every 2-year license term (see license term below).   Producers planning to sell the following product(s) [...]

Every state requires some sort of Continuing Education (CE) credits that each producer has to complete to keep his/her life insurance license in good standing. See below for what the North Dakota Insurance Department requires.   24 CE hours, including 3 hours in ethics, are required every 2-year license term. (see license term below).   Producers planning [...]

Just because you have maxed out your 401K, doesn’t mean you should stop saving for retirement.   Only about 1 out of 15 people contribute the maximum allowed amount to their 401(k) retirement plans, according to a report from the Center for Retirement Research at Boston College.   The report’s authors defined the maximum as [...]

Gift annuities can be used many different ways and meet a variety of purposes. Stan Haithcock wrote a piece for Marketwatch about gift annuities titled “How annuities can benefit your charity.” People leave gift annuities to colleges and universities as well as traditional charities like the Red Cross or Susan G. Komen for the Cure. [...]

The big trend in the annuity industry for 2012 will most likely remain the big trend in 2013, not surprisingly. Advisor One’s Danielle Andrus spoke with Doug Dubitsky of Guardian Life Insurance about the guaranteed income trend. In “Guaranteed Income Will Lead Annuity Industry in 2013,” Dubitsky said that this is the best time to [...]

Normally, we like to use the words “powerful” and “annuity” in the same sentence, but this is certainly the first time we have replaced the word “powerful” with “Powerball”.  But it was just too irresistible after watching the frenzy that the $500 million Powerball lottery jackpot caused last week.  People from all races, ethnicity, and [...]