Best FIA's for Cash Growth

[SanDiego619]

If you're looking for a strong short term accumulation engine, I would suggest the Target Horizon 5 that just recently came out with Aviva. Uncapped accumulation with a very low spread or Genworth with there 7 yr high cap product. Minimum guarantee of 107% after 7 years and has the highest caps I have seen on "A" rated paper.

We may as well just stop using the name Aviva haha. Hello Athene

 

[AnonymousOne]

Great American Safe Outlook

Second this. If someone is searching for the highest growth, they are going to be comparing caps. I would take a slightly lower cap with a bailout before I sign the contract with the highest cap. Most agents would agree with this if they sold index before 2009 and a lot of clients would prefer this when they saw their 10% cap drop to 2%

 

[jmhalvo]

Second this. If someone is searching for the highest growth, they are going to be comparing caps. I would take a slightly lower cap with a bailout before I sign the contract with the highest cap. Most agents would agree with this if they sold index before 2009 and a lot of clients would prefer this when they saw their 10% cap drop to 2%

I don't generally sell an FIA without a bailout. Comm lower but sleep better. Over time, these are clients. When I read posts about how one FIA will greatly outperform based on caps, it doesn't make sense to me. This is the fixed income market; the ins co cannot greatly overpay their underlying bonds/options. If they do--down with the caps!

 

[AnonymousOne]

If I had to pick one FIA to use it may be that one. With the bailout cap, rider, fee surrender that would be hard to beat.

 

[ksagent23]

Great American Safe Outlook

Sagicor Sage advantage. A - Rated

5% premium bonus, 2% guaranteed minimum and cumulative withdrawals up to 50%.

 

[FBN]

The Allianz preferred FIAs are very attractive.

 

[ksagent23]

The Allianz preferred FIAs are very attractive.

The IMO I worked with just gained access to those, haven't looked at them yet, what makes them so attractive?

 

[jmhalvo]

The IMO I worked with just gained access to those, haven't looked at them yet, what makes them so attractive?

the GMWB check can increase AFTER rider turned on

 

[FBN]

One of the indexes Allianz uses is the Barclays US Dynamic Bond Index that has no caps. Also they have several annuities with up to a 50% bonus on the income value - a great selling feature.

 

[KRobby]

One of the indexes Allianz uses is the Barclays US Dynamic Bond Index that has no caps. Also they have several annuities with up to a 50% bonus on the income value - a great selling feature.

50% bonus on the income VALUE? I thought it was merely 50% bonus on the interest credited [such as 6% can be 9% (not 50%)] which is just academic and lower than many others on the income value, but haven't looked at these much.