moore 1

I Give a Damn About Life Insurance – You Should Too!

Starting out in the insurance industry 20 years ago, there was one thing that I learned quickly and that was life insurance was a necessity. Life insurance guards against ...
annuities

I Give a Damn About Annuities – You Should Too

Why People Need Annuities I recall well my entrance into the life insurance market. Nearly 20 years ago, I was a single mother with three babies in diapers; wondering what ...
seeking

Desperately Seeking GLWBs On Fixed Annuities

Since 2004, these benefits have practically become a requirement on the variable annuity (VA) sale. In fact, 84% of all VAs have opted for an optional GLWB1. Why? It is ...
Screen Shot 2013-07-15 at 3.05.03 PM

A Source of Headaches: “Source of Funds”

One of today’s most widely-miscommunicated issues is the fixed annuity market’s “Source of Funds” matter. The issue? It’s figuring out where the prospective purchaser ...
Screen Shot 2013-05-15 at 7.07.45 AM

The Tsunami of Indexed Annuity Sales

In the indexed annuity capital of the world (also known as Des Moines, Iowa), we’re not subject to many natural disasters. Given that Iowa is smack-dab in the center of ...
Screen Shot 2013-03-11 at 12.06.08 PM

Valuation of Marketing Organizations

The past four or five years have been a major struggle for distributors in the life insurance business. The collapse of our nation’s economy, while catastrophic, was only ...
Screen Shot 2013-01-15 at 11.31.18 AM

GLWBs: Rising Interest in Declining Election Rates

After releasing the third quarter, 2012 AnnuitySpecs.com’s Indexed Sales & Market Report, it became clear that the data held some surprises. Was it a record-setting ...
Consumers

Consumers Demand Indexed Annuities

Just fifteen years ago, I was hard-pressed to find any information about indexed annuities in the public domain. Nothing was ever found in the newspaper or at the library; ...
shutterstock_1101875

When Being “In the Money” is “Sticky” Business

When I first imagined the concept of a Guaranteed Lifetime Withdrawal Benefit (GLWB) on an indexed annuity, I couldn’t in my wildest dreams have guessed how the riders ...

Indexed Annuities: Back to the Basics

For years, indexed annuities have provided a strong value proposition to those saving for retirement: guaranteed safety of principal while having the ability to earn limited ...