Equity Index Annuities With ROP

[LVGUY]

Can anyone suggest equity index annuities with the greatest participation rates, maximum rate caps and greatest minimum rate guarantees along with ROP? Thank You.

 

[jacobtn]

GA Safe Return.

 

[Franz Kafka]

Can anyone suggest equity index annuities with the greatest participation rates, maximum rate caps and greatest minimum rate guarantees along with ROP? Thank You.

As a rule of life you've got to give up something to get something. When you expect to get everything without giving up anything you get scammed. JMO

 

[pcwest]

I sell the heck out of the Great American Safe Return.

Free ROP

 

[thinktank]

ING also has a return of premium product that has decent caps. But the Great American Safe Return is probably the only one with not only ROP, but also a cap bailout provision. GA also has a great income rider for clients that it fits for.

Joe Annuity Think Tank

 

[Franz Kafka]

I sell the heck out of the Great American Safe Return.

Free ROP

Nothing is for free. Either they pay or you pay. The profit margin for the carriers is always the same.

 

[0b1kanobee]

Nothing is for free. Either they pay or you pay. The profit margin for the carriers is always the same.

Exactly. That is why SPIA rates and caps vary from company to company because they are all the same. Just throw a dart at a list of products and use the one it lands on. They are all the same. Nothing is free.

 

[Franz Kafka]

Exactly. That is why SPIA rates and caps vary from company to company because they are all the same. Just throw a dart at a list of products and use the one it lands on. They are all the same. Nothing is free.

That is why SPIA rates under the same conditions show no notable difference (if they do then you pay for it) and caps are not locked (if they are locked then something else isn't or you pay for it).

Your job as an agent is to find out what it is that your client wants to pay for.

 

[0b1kanobee]

That is why SPIA rates under the same conditions show no notable difference (if they do then you pay for it) and caps are not locked (if they are locked then something else isn't or you pay for it).

Your job as an agent is to find out what it is that your client wants to pay for.

See I don't exactly believe this. The reality is yes there is some smoke and mirrors. The other reality is that these companies go through periods where they just don't want business. There belly is full so to speak just like if you were to go to a buffet to eat. One time you might get up 2 or three times to eat. Next time you might get up a dozen times. That's is why an identical SPIA might be hundreds of dollars off from one to the next company.

 

[Franz Kafka]

See I don't exactly believe this. The reality is yes there is some smoke and mirrors. The other reality is that these companies go through periods where they just don't want business. There belly is full so to speak just like if you were to go to a buffet to eat. One time you might get up 2 or three times to eat. Next time you might get up a dozen times. That's is why an identical SPIA might be hundreds of dollars off from one to the next company.

Sure you can get a ribeye for half the price of new york steak, too, if you buy 'em at the right time. Too bad you can't freeze your SPIA and use it when you want. Even then I have never seen one SPIA paying hundreds of dollars more than another.

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