ValeRosso
Guru
- 648
What are your go-to annuities specifically for lifetime single and joint income? I've been using Athene's Pro Bonus but wondering if I'm missing out on other companies and products. Have a great weekend y'all!
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Depends how long they are going to defer and ages/states. Athene is normally a very good option.What are your go-to annuities specifically for lifetime single and joint income? I've been using Athene's Pro Bonus but wondering if I'm missing out on other companies and products. Have a great weekend y'all!
Ask your upline if they have a discount for either.Thanks Ray! Gonna check out those reporting resources that will be really helpful.
Ask your upline if they have a discount for either.
They're pretty pricy but I use AnnuitiesGenius and my IMO gives me 50% off.
My IMO is Medicare focused so they don't offer annuities. I'm contracted with Athene directly. I wonder if it would benefit me to use an IMO for annuities (like discounts for things like you mentioned?
It likely would make a lot of sense for you.
You will get the same comp as direct. (at least you should)
Some IMOs will actually pay a higher comp than direct with certain carriers. (production might be required)
The big benefit, is they can take a look at the case/client, and give you a set of competitive options. Or possibly even alternative strategies. (such as a FIA Rider instead of a SPIA, laddering strategies, combos, etc.)
Annuity rates change monthly. Carrier competitiveness changes often. Having someone who stays up on this and shops the market for you, is a huge asset.
Or sometimes even more frequently than that.Annuity rates change monthly. Carrier competitiveness changes often. Having someone who stays up on this and shops the market for you, is a huge asset.
You can get better comp and overrides if your write enough business.My IMO is Medicare focused so they don't offer annuities. I'm contracted with Athene directly. I wonder if it would benefit me to use an IMO for annuities (like discounts for things like you mentioned?
You can get better comp and overrides if your write enough business.
There are a ton of perks working with an IMO.