Annuities Meaning
selling annuity
structured settlements annuities

Purpose of an Annuity
An annuity provides income for a specific number of years or for life. An annuity protects a person against outliving their money. Annuities are not life insurance, but a way of accumulating money and liquidating an estate.

Annuity Owner
Annuity owner is the purchaser of the annuity.

Annuitant
Annuitant is the person who receives the payments from the annuity.

Accumulation Period
Accumulation Period, also known as the pay-in period, is the period of time over which the annuitant makes premium payments into the annuity. It is also the time that the premium payments earn interest on a tax deferred basis. Annuity Period, also known as the annuitization period or liquidation period, is the time during which the money that has accumulated during the accumulation period is converted into income payments to the annuitant.
Note: If an annuitant dies during the accumulation period, the beneficiary will receive the cash value or total premiums paid whichever is greater.

Annuity Funding
There are twoways to fund an annuity:
A single payment (lump sum) Periodic payments, in which premiums are paid in installments over a period of time.
Annuities can also be classified according to when income payments from the annuity begin.

Immediate Annuity
An immediate annuity is one that is purchased with a single lump sum payment and provides income payments that start within one year from the date of purchase.

Deferred Annuity
A deferred annuity is an annuity in which the income payments begin sometime after the first year. Deferred annuities can be funded either with a single lump sum or through periodic payments.

Annuity Payout Options
Annuity payout options specify how annuity funds are to be paid out. They are very similar to the structured settlements annuities options used in life insurance and determine how the policy proceeds are distributed to the beneficiaries.

Straight Life Income Option
The Straight Life Payout Option, also known as Pure Life, will pay a specific amount for the remainder of the annuitant's life. This option provides highest monthly benefit for an individual annuity. Although the annuity payments are guaranteed for the lifetime of the annuitant there is no guarantee that all the proceeds will be full fully paid out, because the payments stop after the annuitant's death.

Life With Period Certain
Life with Period Certain is anotherr annuity payout that is contingent on the annuitant dying. Under this option the annuity payments are guaranteed for the entire lifetime of the annuitant and for a specified period of time to the beneficiary.

Fixed Annuities
Fixed Annuities provide a fixed guaranteed payout. Payments that do not vary from one payment to another and guaranteed minimum rate of interest.

Variable Annuities
A variable annuity serves as a hedge against inflation, and is variable because there is not a guarantee of payout. Payments can vary from one payment to another, and there is not a set rate of interest. A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premiums are invested and begin to grow this is known as the accumulation of units.

Annuity Units
Annuity units is the payout phase of the Variable Annuity.

Variable Annuities
A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premmiums are invested and begin to grow this is known as the accumulation of units.

Annuity Taxes
A portion of each annuity benefit payment is taxable and a portion is not. The portion that is nontaxable is the anticipated return of the principal paid in. This is known as the Cost Base. The portion that is taxable is the interest earned on the principal. This is known as the Tax Base.



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How Selling Annuities Really Works

So you're thinking about sellingannuities and you're curious about how the business works and in this video what I'm going to do is actually profile two successful annuity sales agents with the Ford Insurance Group to tell you exactly what their experience has been like selling annuities successfully over the past year plus my name is David duford I do own do Ford Insurance Group and we do train agents that are interested in selling annuities successfully

you can check out more about how that works at daviddafort.com forward slash FAQ under the annuity section so let's Jump Right In and let these two agents jadina and Don talk about their success in selling annuities and explain to you how the annuity businesses like what kind of money is in the business and how they find prospects and also important how difficult it really is to sell annuities so jadina take it away really I think the benefits for my Prospect is they don't have to worry about Market laws and so that's the biggest thing is the market is so shaky that um up and down you know somebody can do something on Twitter and then go on the market crash is you know

so um I think that's the best benefit for them and just keeping their money safe moving it out of like a shaky 401k or or combining it with other funds from other areas if they have multiple jobs and stuff like that just bringing it all into one place so and the benefits for you and get a nice check I got a nice check and then also I get to help you know I get to help them excellent excellent so next question here you know big thing a lot of Agents have questions about their interest they understand the big checks are in annuities that you're helping people out tremendously but the big question is where do you find prospects so can you describe a little bit about what processes you have in place to find people who'd be interested in annuities

so the easiest places it sounds crazy but the easiest place is people that I've worked with in the past my circle of influence family people that I know have lost their jobs or left their jobs or retired early or got early pay out you know on their retirement so that's generally the circle of influence I do a lot of networking too what about paid leads you know again that's the thing a lot of Agents ask is there some kind of paid lead program out there that's like that does the trick well what's your experience been not that's great with annuities no I haven't seen anything that I particularly like that I would go to because it's it's better for the people to meet me there they buy me first it's hard to sell myself when you know they're just they just see you as an insurance agent or somebody that's you know looking for money an excellent point A lot of times you try to tell agents that you know go back to your book of business people you know people you sold other policies to they already know like and trust you and this is pretty big trust issue type of sale right you know so yeah last question here what is the hardest thing about selling annuities for you having the conversation about people's money you know or having them open up and let you know where it is or what's going on with them that's the hardest part about the conversation is sitting down and saying Hey where's the money you know show me you know you know so I can help you or let me see let me take a look at you know let me take a look at your annual statement you know because sometimes people don't want to give you that information so like I said it's really about selling you you know me being me so they can see that okay well she's a legit person I can talk to her I can sit down and trust her I have the answers to the question if I don't have the answers I'll get them you know partner with uh Steven and get some great answers and solutions so yeah that's the hardest part I would say is having them sit down with you and it's all you defined thank you appreciate it you're welcome you're welcome thanks David so that was jadina now let's talk to Don Elliott about the same topics benefits to the agent are is is is that you can make good money the benefit to the client I'm rolling over mostly old annuities that number one have only been making one to two percent over the last five to ten years which is terrible are they've lost money they've lost 10 20 30 percent so uh we're literally pulling them out of the pit that's that's what's going on so you're you're helping them do better with their money in retirement correct and you're getting paid pretty well and and we can't say for exact sure what you're going to make for annuities but if anybody let's imagine somebody's here on the call here has never heard of annuities the first time they're hearing what kind of money is is possible with closing annuities when you say the money is good how does that mean on a hundred thousand dollar annuity around six thousand six thousand dollars and a hundred thousand dollars not a lot of money I mean it is right but right talking to retirees I mean we've had people at a half million million plus do the math on that it's pretty good so sure nice paydays perfect so prospecting that's another thing that's really important we got to figure out of course you know we find a great business opportunity but the big thing in sales is well how do you find people to sell to so what's your strategy that you've used on to get in front of prospects to that you know end up buying annuities from it I've been to the insurance business bought 30 years or so So and I've got a lot of clients a lot of them have dropped off the books but you don't burn Bridges I've been trying to stay in touch with them at least send them a text on their birthday and call them every once in a while and so I've I've made a list of the uh what I think are Hot Prospects people that have old IRAs or money laying around and I just contact them and say how's your 401ks doing how's your IRAs doing a lot of people are having real bad results right now usually they they open up and then you just go from there so you just staying in front of your clients asking them questions about retirement go figure it works yeah you ask and you'll receive as I say so that's good also in this economy right now for the past year there was a former mayor of Chicago his statement was never let a good crisis go to waste

so this is a excellent crisis it's bad for people but it's great for us people are literally losing their shirts and freaking out and we can help them and take away the risk and that that is what's interesting about the annuity Market is you know when when you're selling annuities the bad times sometimes are the best times for us right because people revert back to safety uh and uncertainty that's right so last question here annuities aren't easy to sell right it's it's nothing's easy in the insurance business so what's the hardest thing about selling annuities in your experience first of all you have to get them to uh open their mind up and I show them a illustration and Stephen Burgos has helped me a lot I show them two illustrations one is say that they have uh a hundred thousand dollars and I just run the hundred thousand without taking any money out and that shows them how fast the money's gonna grow and how fast it's going to double and then the second illustration I'll put the money in there and leave it alone for about six years and all about double in in six years and then show them taking out ten percent of you here all the way on out when you have a fixed index annuity like a theme with the uh BNP parabus funds they're making over 10 percent and so if you have a hundred thousand there and you're taking out ten percent you're always going to have a hundred thousand there more or less it's a beautiful situation so the kind of seeing is believing to help them overcome the resistance they're showing them again illustrations for new agents that's kind of what to expect you illustrate what's possible within the confines of the policy year over year helps to kind of see what's going to happen the expectations are helps overcome that kind of resistance wouldn't you say right right so thank you jadina and Don talking about howselling annuities really works again annuity is a great opportunity if you've got an existing book of business if you've got a lead source and most importantly if you've got the training necessary to master your success potential in the annuity sales business if you're interested in selling annuities and getting the training and support necessary to give you the best odds of success head over over to daviddafort.com forward slash FAQ to learn more about how we recruit agents Across the Nation to sell annuities successfully.

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