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I'm also bullish about LSW, renewal rates published for years, excellent service, easier for the client to understand, and a good GLIR, with enhanced payouts for LTC.
Great company. They run a pretty tight ship over there. They are my primary carrier for flex premiums and the GLIR is hard to beat. Commissions aren't great but I like the company. I'm also not on a high commission level with them to be fair.
Who is your primary Index Annuity carrier and why?
Always good to have a good "go to" carrier, not just for product but for service as well. With all the suitabilty issues and increased paperwork, it is a good time to be using a solid IMO who can help with keeping you up to date on product changes and, even more importantly correct paperwork required!
I used Jackson National in a seminar recently as an example of companies that weasel-word policies. The example I used was their brochure (I forget the exact product) that has on the top left in huge words 3% minimum guarantee. When you read the fine print, they are talking about 3% of 80% of the policy value, bringing it to the same 2% you see everywhere (yeah, I know that is changing).
Anyway, personally I would not do business with a company that does that.