Annuity Rate Watch

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Description

You can enter client information and save it in your client database , search for products that meet your client needs, run illustrations, find the forms you need to write the case, and save them to your desk top or email them to your client.

We provide a very detailed spreadsheet. You can select any rider to compare with any other rider. In fact, you can compare many riders, side-by-side.

We provide all the details of how commissions are paid. Some companies are now paying first year commissions over one or more years. Sometimes you have a choice of different commission options as well as trailing commissions. See the sample below, click the image for the full commission detail.

For convenience, Annuity products are listed by three different types: Multi-year Guaranteed Annuities , Traditional Fixed Annuities and Equity Indexed Annuities . We provide multiple views, so you can choose the listing that shows just the information you are looking for. Clicking a product displays the full product description with provisions, rates, riders and the state-specific information you need to know.

When an annuity policy is issued the company sets the first year interest rate. This rate is guaranteed for the first policy year and we refer to it as the current rate . The base rate is that interest rate which the company projects it will pay in the second year and thereafter. This base rate is also referred to as the "renewal rate" is not guaranteed. In fact, some companies pay "renewal rates" which are less than the originally projected base rate .

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