- Thread starter
- #11
Can you get below 50% or does the pension usually make that impossible?
Annuity Direct Mail
- Thread starter Justin Bilyj
- Start date
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- annuity
- 438
Yes 85 to 50. Mainly any income from investments they do not need to be claiming and can defer
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I don't know what "the pension" is in this scenario, but yes you certainly can and many people are.
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Filing jointly
between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits
more than $44,000, up to 85 percent of your benefits may be taxable.
- 2,045
Set the income parameters for the mailer just above the thresholds.
Not too poor, not too wealthy. This is a middle class type issue. Make their hatred for taxes on their social security benefits 
greater than their hatred for annuities. 
Then let them decide which annuity to buy. 
Set the income parameters for the mailer just above the thresholds.
You'll be chasing your tail for $250 commissions on 10k sales. Normally not worth the effort (for direct mail marketing, the original thread topic...)
- 2,045
Some pay 10% commission, and doesn't hit the broker grid.
Flipping CDs and munis (the heart of this thread convo) into index products?
Do you write a lot of annuities?
- 2,045
Sure, index products come with guarantees. CD's are the ideal sources.
Most of my business is munis, though. Usually a much different prospect/client.
