Personal Pension
{August 10th, 2021} by Sheryl J. Moore
An annuity is nothing more than a personal pension. There. I said it. -sjm
Indexed annuity purchasers are not investors
{July 20th, 2021} by Sheryl J. Moore
Gentle reminder- PEOPLE WHO PURCHASE INDEXED ANNUITIES ARE NOT CALLED “INVESTORS.” This is life insurance, folks; not an investment. -sjm
FIRST QUARTER 2021 LIFE INSURANCE SALES
{July 13th, 2021} by Sheryl J. Moore
Non-Variable UL Sales for the first quarter of 2021 were $649 million, compared with sales of $770 million for the first quarter of 2020. First quarter non-variable life sales were down more than 12% when compared to the previous quarter and down nearly 16% as compared to the same period last year. Total 1Q21 […]
FIRST QUARTER 2021 ANNUITY SALES
{June 28th, 2021} by Sheryl J. Moore
Deferred Annuity Sales Total 1Q2021 deferred annuity sales were $58,167,100,339. First quarter deferred annuity sales were up more than 3% when compared to the previous quarter and were up more than 10% when compared to the same period last year. Deferred annuities include sales of fixed, indexed, multi-year guaranteed, structured, and variable deferred annuities. Non-Variable […]
In the wake of AJ’s death, I have found that I have become something I never intended to…an advocate
{June 3rd, 2021} by Sheryl J. Moore
When AJ Betts, my firstborn child, died- my world ended. And then- the unthinkable happened. In the wake of AJ’s death, I have found that I have become something I never intended to…an advocate. Today, I am an advocate for organ donation, advocate for suicide prevention, and advocate for LGBTQ+ rights, an advocate against bullying, […]
FOURTH QUARTER 2020 LIFE INSURANCE SALES
{May 25th, 2021} by Sheryl J. Moore
Non-Variable UL Sales for the fourth quarter of 2020 were $740 million, compared with sales of $1,076 million for the fourth quarter of 2019. Fourth quarter non-variable life sales were up more than 18% when compared to the previous quarter and down more than 31% as compared to the same period last year. Sales of […]
Fourth Quarter 2020 Annuity Sales
{May 11th, 2021} by Sheryl J. Moore
Deferred Annuity Sales Total 4Q2020 deferred annuity sales were $56,314,918,093. Fourth quarter deferred annuity sales were up nearly 4% when compared to the previous quarter and were up nearly 6% when compared to the same period last year. Sales for 2020 were down nearly 6% when compared to the prior year. Total 2020 deferred annuity […]
Impact: Learning from Leaders
{March 15th, 2021} by Sheryl J. Moore
Tune in with Marshall Heitzman, CFP®, ChFC, FLMI and the team at CUNA Mutual Group Annuities, as I talk about why Structured Annuities make TOTAL SENSE in today’s market environment. Make sure to wear your green, and I’ll give you some tips that will help you to be seeing green! -sjm Wink’s Note: […]
A personal note to the Advisors Excel extended-family
{March 14th, 2021} by Sheryl J. Moore
I’ve been hurting since I heard about this on Saturday morning. I wasn’t close with Josh Jones from Advisors Excel, he wouldn’t tell you that I was his “friend.” But, I will tell you this- – He IS a child of God. – He IS in Heaven now. (I’ve asked my son to give him a big […]
Women!
{March 9th, 2021} by Sheryl J. Moore
We need to have one big conference for women, and get all of our female resources to attend so that we can quit TALKING about the matter of increasing the number of women in financial services, and finally JUST DO IT! -sjm Let’s gather the following into 1 room: 1. The The American College of […]
Evolutionary Distribution Channel
{February 17th, 2021} by Sheryl J. Moore
Late-night, sleep-deprived idea; how about we- 1. Save the insurance distribution from “dying off;” 2. Recruit more people of color into this business; 3. Recruit more females into this business; & 4. Create an “income glidepath” for those newly-entering the insurance business? This provides salespeople the financial (safety?)/support that they need in the early years […]
Wink. Different. Better.
{February 10th, 2021} by Sheryl J. Moore
Wink: A third-party market research firm. Wink tracks life insurance & annuity companies, products, their features, rates, sales, & marketing since 2005. Different: Insurance companies do not have to pay to participate in Wink’s services. Participating subscribers all pay the same price for a subscription. Better: Wink tracks sales metrics that are meaningful, standardized, and […]
Unique Financial Service Needs for the ASD Community
{January 27th, 2021} by Sheryl J. Moore
Another group that has unique needs when it comes to financial services is the ASD community. For those of you who are not in the ASD circle, Autism Spectrum Disorder affects more than 1 out of 54 Americans. My youngest son was diagnosed as ASD at the age of three. It was difficult to figure […]
Life Insurance & Annuities Day
{January 20th, 2021} by Sheryl J. Moore
January 27th is “Life Insurance & Annuities Day” at NAILBA’s Engage Virtual event. If you are interested in hearing what sales meetings and craft beer have in common, join me, Pam Sheehan, and Dan LaBert. There are some great webinar topics including a panel on cross-selling life insurance and annuities (I’ll be listening to Jason Lea, CFP, […]
Connect, learn and grow!
{December 23rd, 2020} by Sheryl J. Moore
Some people whose content I follow, & love to learn from: Nick Gerhart– former Iowa Insurance Commissioner and best friend to the Intel Rockstar; terrific insights on insuretech, startups, strategy, & more; Marc Glickman, FSA, CLTC– an actuary-turned-marketer who is my go-to for anything Long Term Care; Charlie Gipple, CLU®, ChFC®– my longtime friend (and […]
THIRD QUARTER 2020 LIFE INSURANCE SALES
{November 30th, 2020} by Sheryl J. Moore
Non-Variable UL Sales for the third quarter of 2020 were $624 million, compared with sales of $841 million for the third quarter of 2019. Third quarter non-variable life sales were down more than 5% when compared to the previous quarter and down nearly 26% as compared to the same period last year. Indexed Life Sales […]
THIRD QUARTER 2020 ANNUITY SALES
{November 25th, 2020} by Jamie Johnson
Deferred Annuity Sales Total 3Q2020 deferred annuity sales were $54,217,243,301. Third quarter deferred annuity sales were up more than 18% when compared to the previous quarter, and were down more than 1% when compared to the same period last year. Non-Variable Deferred Annuity Sales Total 3Q2020 non-variable deferred annuity sales were $30,932,756,676. Third quarter deferred […]
Holy annuities, Batman!
{November 17th, 2020} by Sheryl J. Moore
Multi-Year Guaranteed Annuity (MYGA) sales are up nearly 33% from last quarter and over 85% from this time last year?! Look who’s stealing indexed annuity market share now… Structured annuity sales are up 38% from last quarter and 30% from this time last year?! Before we know it, they’ll be selling better than indexed annuities […]
#InsuranceJobs Needed
{October 20th, 2020} by Sheryl J. Moore
I created a LinkedIn group to help insurance pros looking for work to meet insurance pros looking for jobs. Unfortunately, I think we are going to get a lot more members in this group over the coming weeks… https://lnkd.in/ehkTvkE -sjm
Flawed Study Captures the Variable Annuity Industry’s Attention
{September 23rd, 2020} by Sheryl J. Moore
I wanted to provide some feedback on a recent working paper that was brought to my attention, before heading out for the weekend. One of my favorite journalists contacted me on Wednesday, September 16, 2020- asking for commentary on “Conflicting Interest and the Effect of Fiduciary Duty – Evidence from Variable Annuities.” This […]
Clarification on a misunderstood AG-49A regulation
{September 23rd, 2020} by Sheryl J. Moore
*Bonuses and multipliers are not necessarily “going away” on indexed UL.* Someone recently communicated to me that they were surprised by [an Unnamed Product Manufacturer]’s repricing of their [Unnamed Product], which previously had a big multiplier; now the multiplier is tiny. “Why is the multiplier still there? Didn’t AG-49A dictate that the bonuses/multipliers would disappear?” […]
Not enough supply for the fee-based community
{September 16th, 2020} by Sheryl J. Moore
There isn’t enough supply of annuities for the fee-based community. Let me give you a sneak peek (total fee-based offerings/total annuities): Indexed- 30/516 Multi-year guaranteed- 1/535 Structured- 8/51 Fixed- 0/67 Variable- 44/246 Do YOU think that there are enough choices if you are working through a fiduciary? Wink’s Note: Fixed annuities are classified as […]
In short, sales were terrible!
{September 2nd, 2020} by Sheryl J. Moore
“Hoping everyone is finally getting comfortable with their new products after the 2017 CSO/PBR repricing and we can have a good push for 3Q and 4Q. ”
SECOND QUARTER 2020 LIFE INSURANCE SALES
{August 31st, 2020} by Sheryl J. Moore
Non-Variable UL Sales for the second quarter of 2020 were $642 million, compared with sales of $886 million for the second quarter of 2019. Second quarter non-variable life sales were down nearly 17% when compared to the previous quarter and down nearly 28% as compared to the same period last year. Indexed Life Sales for […]
SECOND QUARTER 2020 ANNUITY SALES
{August 26th, 2020} by Sheryl J. Moore
Deferred Annuity Sales Total 2Q2020 deferred annuity sales were $45,910,530,107. Second quarter deferred annuity sales were down nearly 13% when compared to the previous quarter. Non-Variable Deferred Annuity Sales Total 2Q2020 non-variable deferred annuity sales were $25,782,614,323. Second quarter non-variable deferred annuity sales were […]
The annuity industry lost a good one.
{August 19th, 2020} by Sheryl J. Moore
Adam Lunardini, you will be missed. Please join me in prayer for his family, while they grieve his untimely passing. Prayers also for his work family, whether you grew to love him at Sun Life, Fidelity & Guaranty Life Insurance Company, or Delaware Life Insurance Company. I mourn with you. Please leave your favorite memory of Adam here, […]
Thank you for your patience!
{August 12th, 2020} by Sheryl J. Moore
The main office of Wink, Inc. is without power due to the damage from Monday’s derecho. We thank you for your patience if you are trying to reach us as we are operating on a skeleton crew with no phone service and intermittent internet. Please be sure to email all questions and requests to support@winkintel.com. […]
On this day, 10 years ago
{July 14th, 2020} by Sheryl J. Moore
Hey, indexed annuity lovers ❤️- Look what popped up on my timeline! What have we learned in the decade since defeating 151A?
FIRST QUARTER 2020 LIFE INSURANCE SALES
{June 3rd, 2020} by Sheryl J. Moore
Non-Variable UL Sales for the first quarter of 2020 were $770 million, compared with sales of $790 million for the first quarter of 2019. First quarter non-variable life sales were down more than 28% when compared to the previous quarter and down nearly 3% as compared to the same period last year. Indexed Life […]
FIRST QUARTER 2020 ANNUITY SALES
{May 22nd, 2020} by Sheryl J. Moore
Deferred Annuity Sales Total 1Q2020 deferred annuity sales were $52,704,571,827. First quarter deferred annuity sales were down more than 1% when compared to the previous quarter. Non-Variable Deferred Annuity Sales Sales for the first quarter of 2020 were $27,085,683,343. First quarter non-variable deferred annuity sales were flat when compared to the previous quarter, and were […]
These companies deserve some recognition!
{April 22nd, 2020} by Sheryl J. Moore
When I started this company 15 years ago, one thing that I was committed to was being independent. I feel that it is very important, as a market research firm, to treat companies fairly and never give preferential treatment to any product manufacturer. No company should ever pay more/less than any other. No company should […]
FOURTH QUARTER 2019 LIFE INSURANCE SALES
{March 23rd, 2020} by Sheryl J. Moore
Non-Variable UL Sales for the fourth quarter of 2019 were $1,076 million, compared with sales of $981 million for the fourth quarter of 2018. Fourth quarter non-variable life sales were up more than 28% when compared to the previous quarter and up nearly 10% as compared to the same period last year. Indexed […]
FOURTH QUARTER 2019 ANNUITY SALES
{March 17th, 2020} by Sheryl J. Moore
Deferred Annuity Sales Total 4Q2019 deferred annuity sales were $53,334,112,779. Fourth quarter deferred annuity sales were down more than 3% when compared to the previous quarter. Total 2019 deferred annuity sales were $221,817,006,915. Non-Variable Deferred Annuity Sales Sales for the fourth quarter of 2019 were $26,990,563,806. Fourth quarter non-variable deferred annuity sales were down […]
THIRD QUARTER 2019 LIFE INSURANCE SALES
{November 27th, 2019} by Sheryl J. Moore
Non-Variable UL Total 3Q2019 non-variable universal life sales were $816,122,151. Third quarter non-variable life sales were down more than 5% when compared to the previous quarter and down nearly 7% as compared to the same period last year. Indexed Life Sales for the third quarter of 2019 were $529 million, compared with sales […]
THIRD QUARTER 2019 ANNUITY SALES
{November 26th, 2019} by Sheryl J. Moore
Deferred Annuity Sales Total 3Q2019 deferred annuity sales were $55,206,815,849. Third quarter deferred annuity sales were down more than 5% when compared to the previous quarter. Non-Variable Deferred Annuity Sales Total 3Q2019 non-variable deferred annuity sales were $29,210,974,291. Third quarter non-variable deferred annuity sales were down nearly 12% when compared to the previous quarter, […]
FMO Q&A
{October 23rd, 2019} by Sheryl J. Moore
Over the past couple of decades, I have had the pleasure of working with hundreds of FMOs. These distributors drive innovation in product development, have the ability to command sales, and help the independent agent in their quest to best-serve their clients. I am not just the lady that keeps their secrets; I am […]
SECOND QUARTER 2019 LIFE INSURANCE SALES
{August 30th, 2019} by Sheryl J. Moore
Non-Variable UL Total 2Q2019 non-variable universal life sales were $860,195,968. Second quarter non-variable life sales were up more than 12% when compared to the previous quarter and down more than 10% as compared to the same period last year. Indexed Life Sales for the second quarter of 2019 were $551 million, compared with sales […]
SECOND QUARTER 2019 ANNUITY SALES
{August 26th, 2019} by Sheryl J. Moore
Deferred Annuity Sales Total 2Q2019 deferred annuity sales were $58,271,065,521. Second quarter deferred annuity sales were up nearly 5% when compared with the previous quarter. Non-Variable Deferred Annuity Sales Total 2Q2019 non-variable deferred annuity sales were $33,141,918,594. Second quarter non-variable deferred annuity sales were down nearly 1% when compared with the previous quarter, and […]
Regulator friends- help?
{August 13th, 2019} by Sheryl J. Moore
HELP! I need a connection in the SEC’s Office of Investor Education. It appears that my competitor inappropriately calls Structured Annuities “Registered Indexed Linked Annuities” (or RILAs), has inaccurately given the SEC the impression that Structured Annuities are Indexed Annuities. They are NOT. The Investor Bulletin describes Structured Annuities; not Indexed Annuities. Many of the enclosed […]
FIRST QUARTER 2019 ANNUITY SALES
{June 3rd, 2019} by Sheryl J. Moore
Deferred Annuity Sales Total 1Q2019 deferred annuity sales were $55,511,435,934. Non-Variable Deferred Annuity Sales Total 1Q2019 non-variable deferred annuity sales were $33,465,294,344. Variable Deferred Annuity Sales Total 1Q2019 variable deferred annuity sales were $22,046,141,590. Indexed Annuity Sales for the first quarter of 2019 were $17,712 million, compared with sales of $14,219 million […]
FIRST QUARTER 2019 LIFE INSURANCE SALES
{May 24th, 2019} by Sheryl J. Moore
Indexed Life Sales for the first quarter of 2019 were $491 million, compared with sales of $486 million for the first quarter of 2018. First quarter indexed life sales were down more than 20% when compared with the previous quarter, and up just over 1% when compared to the same period last year. Total […]
FOURTH QUARTER 2018 ANNUITY SALES
{March 19th, 2019} by Sheryl J. Moore
Indexed Annuity Sales for the fourth quarter of 2018 were $19,202 million, compared with sales of $13,621 million for the fourth quarter of 2017. Fourth quarter indexed annuity sales were up more than 8% when compared to the previous quarter, and up nearly 41% when compared to the same period last year. This was a […]
The Many Indices Available on Indexed Annuities
{March 18th, 2019} by Sheryl J. Moore
Hi everyone. I have to make this short, as we are preparing 4Q2018 sales. I recently participated in a call for the National Association of Insurance Commissioners (NAIC), regarding the matter of indexed annuities and the illustrations that accompany them. For those who are interested, the following indices are available on indexed […]
FOURTH QUARTER 2018 LIFE INSURANCE SALES
{March 15th, 2019} by Sheryl J. Moore
Indexed Life Sales for the fourth quarter of 2018 were $617 million, compared with sales of $575 million for the fourth quarter of 2017. Fourth quarter indexed life sales were up nearly 17% when compared with the previous quarter, and up more than 7% when compared to the same period last year. This was a […]
Dropping Some Knowledge on Universal Life Products
{February 21st, 2019} by Sheryl J. Moore
Recently, one of the largest Field Marketing Organizations (FMOs) in the country asked for Wink’s help with a big premium financing case. While preparing to run illustrations for the study, our team reviewed the list of products that the FMO wanted to include. I was shocked to see that while all of the products were […]
THIRD QUARTER 2018 LIFE INSURANCE SALES
{November 29th, 2018} by Sheryl J. Moore
Indexed Life Sales for the third quarter of 2018 were $528 million, compared with sales of $478 million for the third quarter of 2017. Third quarter indexed life sales were down more than 4% when compared with the previous quarter, and up nearly 11% as compared to the same period last year. Total 3Q2018 indexed […]
THIRD QUARTER 2018 ANNUITY SALES
{November 21st, 2018} by Sheryl J. Moore
Indexed Annuity Sales for the third quarter of 2018 were $17,718 million, compared with sales of $12,798 million for the third quarter of 2017. Third quarter indexed annuity sales were up more than 2% when compared to the previous quarter, and up more than 38% when compared to the same period last year. This was […]
SECOND QUARTER 2018 LIFE INSURANCE SALES
{August 28th, 2018} by Sheryl J. Moore
Indexed Life Sales for the second quarter of 2018 were $552 million, compared with sales of $485 million for the second quarter of 2017. Second quarter indexed life sales were up nearly 14% when compared with the previous quarter, and up nearly 14% as compared to the same period last year as well. Total 2Q2018 […]
SECOND QUARTER 2018 ANNUITY SALES
{August 17th, 2018} by Sheryl J. Moore
Indexed Annuity Sales for the second quarter of 2018 were $17,344 million, compared with sales of $14,647 million for the second quarter of 2017. Second quarter indexed annuity sales were up nearly 22% when compared to the previous quarter, and up more than 18% when compared to the same period last year. This was a record-setting […]
FIRST QUARTER 2018 LIFE INSURANCE SALES
{June 6th, 2018} by Sheryl J. Moore
Indexed Life Sales for the first quarter of 2018 were $486 million, compared with sales of $436 million for the first quarter of 2017. First quarter indexed life sales were down nearly 16% when compared with the previous quarter, and up more than 11% as compared to the same period last year. Total 1Q2018 […]
FIRST QUARTER 2018 ANNUITY SALES
{May 24th, 2018} by Sheryl J. Moore
Indexed Annuity Sales for the first quarter of 2018 were $14.21 billion, compared with sales of $12.92 billion for the first quarter of 2017. First quarter indexed annuity sales were up more than 4% when compared to the previous quarter, and up more than 10% when compared with the same period last year. Total […]
How annuities have changed since the DOL proposed the Fiduciary Rule.
{May 8th, 2018} by Sheryl J. Moore
Before I count the ways, let me comment that the average premium for a deferred annuity is $102,964 as of 4Q2017. I would surmise that the typical fee-based advisor asks that their clients have no less than $500,000 in assets before they consider managing their assets- am I right? There would be no one less-served by […]
On the Matter of Indexed Annuity Performance…
{April 30th, 2018} by Sheryl J. Moore
Recently, a vendor released a “research” paper on indexed annuity performance. I will refer to said “research” as a paper, as I have concerns with using the “research” terminology. Research– studious inquiry or examination; especially: investigation or experimentation aimed at the discovery and interpretation of facts, revision of accepted theories or laws in the light […]
FOURTH QUARTER 2017 ANNUITY SALES
{March 21st, 2018} by Sheryl J. Moore
Indexed Annuity Sales for the fourth quarter of 2017 were $13,621 million, compared with sales of $13,306 million for the fourth quarter of 2016. Fourth quarter indexed annuity sales were up more than 6% when compared to the previous quarter, and up more than 2% when compared with the same period last year. Total […]
FOURTH QUARTER 2017 LIFE INSURANCE SALES
{March 14th, 2018} by Sheryl J. Moore
Indexed Life Sales for the fourth quarter of 2017 were $575 million, compared with sales of $534 million for the fourth quarter of 2016. Fourth quarter indexed life sales were up more than 20% when compared with the previous quarter, and up nearly 8% as compared to the same period last year. This was […]
What Do Indexed Life Sales Really Mean?!
{December 4th, 2017} by Sheryl J. Moore
(or, Reviewing the Reliability and Validity of Target Premium as a Measure of Indexed Life Sales) Recently, someone who likes to call themselves an “expert” on indexed life began proselytizing around why they were “outraged” about a specific company being ranked #1 in indexed life sales by Wink’s Sales & Market Report. This individual feels […]
THIRD QUARTER 2017 ANNUITY SALES
{November 22nd, 2017} by Sheryl J. Moore
Indexed Annuity Sales for the third quarter of 2017 were $12,798 million, compared with sales of $14,303 million for the third quarter of 2016. Third quarter indexed annuity sales were down nearly 13% when compared to the previous quarter, and down nearly than 11% when compared with the same period last year. Total 3Q2017 indexed […]
THIRD QUARTER 2017 LIFE INSURANCE SALES
{November 16th, 2017} by Sheryl J. Moore
Indexed Life Sales for the third quarter of 2017 were $479 million, compared with sales of $452 million for the third quarter of 2016. Third quarter indexed life sales were down just more than 1% when compared with the previous quarter, and up nearly 6% as compared to the same period last year. Total […]
Regarding Kerry Pechter’s article, “Don’t Mess Up a Good Thing”
{October 6th, 2017} by Sheryl J. Moore
A note regarding Kerry Pechter’s article, “Don’t Mess Up a Good Thing,” from October 5, 2017’s Retirement Income Journal: There are inaccuracies in this article and comments that I made, which were taken out-of-context in this piece. I was out-of-town for a speaking engagement when the author asked for feedback on some commentary; I […]
SECOND QUARTER 2017 LIFE INSURANCE SALES
{September 1st, 2017} by Sheryl J. Moore
Indexed Life Sales for the second quarter of 2017 were $485 million, compared with sales of $441 million for the second quarter of 2016. Second quarter indexed life sales were up more than 11% when compared with the previous quarter, and up nearly 10% as compared to the same period last year. Total 2Q2017 […]
SECOND QUARTER 2017 NON-VARIABLE DEFERRED ANNUITY SALES
{August 22nd, 2017} by Sheryl J. Moore
Wink’s Sales & Market Report, 2Q2017 Indexed Annuity Sales for the second quarter of 2017 were $14,647 million, compared with sales of $15,523 million for the second quarter of 2016. Second quarter indexed annuity sales were up 13.33% when compared to the previous quarter, and down 5.56% when compared with the same period […]
FIRST QUARTER 2017 LIFE INSURANCE SALES
{June 12th, 2017} by Sheryl J. Moore
Indexed Life Sales for the first quarter of 2017 were $446 million, compared with sales of $431 million for the first quarter of 2016. First quarter indexed life sales were down more than 16% when compared with the previous quarter, and up more than 3% when compared to the same period last year. Total 1Q2017 […]
FIRST QUARTER 2017 NON-VARIABLE DEFERRED ANNUITY SALES
{May 23rd, 2017} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report’s indexed annuity sales for the first quarter of 2017 were $12,925 million, compared with sales of $15,089 million for the first quarter of 2016. First quarter indexed annuity sales were down nearly 3% when compared to the previous quarter, and down more than 14% when compared with the […]
FOURTH QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{March 29th, 2017} by Victoria L. Peterson
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2016 shows sales for the fourth quarter of 2016 were $13,309 million, compared with sales of $15,573 million for the fourth quarter of 2015. Fourth quarter indexed annuity sales were down nearly 7% when compared to the previous quarter, and down over than 14% when compared […]
Fourth Quarter 2016 Indexed Life Sales
{February 28th, 2017} by Sheryl J. Moore
Indexed Life Indexed Life sales for the fourth quarter of 2016 were $534 million, compared with sales of $541 million for the fourth quarter of 2015. Fourth quarter indexed life sales were up 18% when compared with the previous quarter, and down over 1% as compared to the same period last year. Total 4Q2016 indexed […]
THIRD QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{December 1st, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2016 shows sales for the third quarter of 2016 were $14,305 million, compared with sales of $13,860 million for the third quarter of 2015. Third quarter indexed annuity sales were down nearly 8% when compared to the previous quarter, and up more than 3% when compared […]
Third Quarter 2016 Indexed Life Sales
{November 22nd, 2016} by Sheryl J. Moore
Indexed Life Indexed Life sales for the third quarter of 2016 were $452 million, compared with sales of $478 million for the third quarter of 2015. Third quarter indexed life sales were up nearly 3% when compared with the previous quarter, and down over 5% as compared to the same period last year. Total […]
Interesting News from the DOL
{October 31st, 2016} by Sheryl J. Moore
Dozens of Field Marketing Organizations (FMOs) and Brokerage General Agencies (BGAs) have been contacting me since the Department of Labor’s (DOL’s) final fiduciary rule was issued; wanting to know how they too can apply to become a ‘Financial Institution.’ In response, I reached back out to my folks at the DOL, asking for their guidance. […]
SECOND QUARTER 2016 INDEXED LIFE SALES
{August 26th, 2016} by Sheryl J. Moore
Indexed Life Indexed life sales for the second quarter of 2016 were $441 million, compared with sales of $458 million for the second quarter of 2015. Second quarter indexed life sales were up over 2.00% when compared with the previous quarter, and down nearly 4.00% as compared to the same period last year. Total […]
SECOND QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{August 26th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2016 shows sales for the second quarter of 2016 were $15,523 million, compared with sales of $12,261 million for the second quarter of 2015. Second quarter indexed annuity sales were up more than 3.00% when compared to the previous quarter, and up nearly 28.00% when compared […]
First Quarter 2016 Indexed Insurance Sales
{May 27th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2016 shows sales for the first quarter of 2016 were $15,097 million, compared with sales of $11,374 million for the first quarter of 2015. First quarter indexed annuity sales were down more than 3.00% when compared to the previous quarter, and up nearly 33.00% when compared […]
Indexed Annuity GLWBs: a Decade of Change
{March 29th, 2016} by Sheryl J. Moore
Indexed annuity Guaranteed Lifetime Withdrawal Benefits are nearly as old as my business! Happy birthday, IA GLWBs! It has now been more than a decade since I developed the concept of offering Guaranteed Lifetime Withdrawal Benefits on fixed and indexed annuities. What was the motivation behind this? One question- “If guaranteed lifetime income is […]
Fourth Quarter 2015 Indexed Insurance Sales
{March 15th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2015 shows sales for the fourth quarter of 2015 were $15,573 million, compared with sales of $11,954 million for the fourth quarter of 2014. Fourth quarter indexed annuity sales were up more than 12.00% when compared to the previous quarter, and up over 30.00% when compared […]
Yay for Technology! Changes to Wink’s Sales & Market Report
{March 1st, 2016} by Sheryl J. Moore
Hi there. A little over a year ago, I gave you a heads up on some changes that were occurring with Wink’s Sales & Market Report. I am writing this to communicate additional changes to our flagship report. Wink’s Sales & Market Report has served as the insurance industry’s #1 resource of indexed insurance product sales […]
THIRD QUARTER 2015 FIXED ANNUITY SALES
{December 15th, 2015} by Sheryl J. Moore
Traditional Fixed Annuity Sales for the third quarter of 2015 were $3,094 million. Third quarter fixed annuity sales were down over 17.00% when compared to the previous quarter. Total 3Q2015 traditional fixed annuity sales were $3,094,235,363 THE TOP TEN FIXED ANNUITY CARRIERS FOR THE THIRD QUARTER OF 2015: 1. AIG 2. Jackson National Life 3. MassMutual Life […]
THIRD QUARTER 2015 INDEXED INSURANCE SALES
{November 25th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2015 shows sales for the third quarter of 2015 were $13,872 million, compared with sales of $11,488 million for the third quarter of 2014. Third quarter indexed annuity sales were up more than 13.00% when compared to the previous quarter, and up nearly 21.00% when […]
My deepest sympathy: Jim (former Iowa Insurance Regulator) was a friend and esteemed colleague
{September 15th, 2015} by Sheryl J. Moore
Jim Mumford Winterset November 5, 1936 – September 14, 2015 Jim Mumford, 78, passed away peacefully on Monday, September 14, 2015, from injuries sustained in an accident at the home he loved and loved to work on. A memorial service will be held at 10:30 a.m., Thursday, September 17, 2015, at the Jackson Building on […]
SECOND QUARTER 2015 INDEXED INSURANCE SALES
{September 1st, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2015 shows second quarter 2015 indexed annuity sales were $12,253 million, compared with sales of $12,566 million for the second quarter of 2014. Second quarter indexed annuity sales were up nearly 8% when compared to the previous quarter, and down just over 2% when compared with the […]
SECOND QUARTER 2015 FIXED ANNUITY SALES
{September 1st, 2015} by Sheryl J. Moore
Traditional Fixed Annuity Sales for the second quarter of 2015 were 2015 were $2,461 million. Given that this is the first quarter that Wink has collected data on sales of fixed annuities, comparisons will be available in future quarters. Total 2Q2015 traditional fixed annuity sales were $3,740,217,752 THE TOP TEN FIXED ANNUITY […]
First Quarter 2015 Indexed Insurance Sales
{May 19th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2015 shows first quarter 2015 indexed annuity sales were $11,382 million, compared with sales of $10,887 million for the first quarter of 2014. First quarter indexed annuity sales were down nearly 5.00% when compared to the previous quarter, and up nearly 5.00% when compared with the […]
Wink is turning 10!
{May 5th, 2015} by Sheryl J. Moore
As we celebrate our ten year anniversary at Wink this month, I have been reminiscing about on how it all began… I have worked in the research and development of these products for over a decade and am committed to the advocacy of the life insurance industry. My career started at a small insurance company that […]
Addressing suicide prevention
{May 5th, 2015} by Sheryl J. Moore
“Thanks to the media for continuing to cover the problems at our schools. We need help!” ~ sjm Vigil remembers 12-year-old suicide victim, raises bullying awareness DES MOINES, Iowa —Iowans gathered at a vigil Sunday night to remember a 12-year-old suicide victim and raise awareness of bullying. The mother of 12-year-old Alyssa Morgan told KCCI […]
Fourth Quarter 2014 Indexed Insurance Sales
{March 11th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2014 shows fourth quarter 2014 indexed annuity sales were $11,954 million, compared with sales of $10,544 million for the fourth quarter of 2013. Total 4Q2014 indexed annuity sales were $11,954,168,116. Total 2014 indexed annuity sales were $46,896,350,200. The top ten indexed annuity carriers for the fourth […]
Happy 20th Birthday Indexed Annuities!
{February 3rd, 2015} by Sheryl J. Moore
Since I first learned about indexed annuities, I’ve believed in them. What’s not to love? A retirement product that promises a guaranteed income that I cannot outlive, a minimum guaranteed interest, the potential to earn more than fixed money instruments, and no risk of loss due to market fluctuations. SIGN ME UP! I’m proud to […]
Where I’ve Been for the Past 18 Months
{January 27th, 2015} by Sheryl J. Moore
I know it has been a very long time since I’ve published any YouTube videos, articles, blogs, etc. I wanted to do a video, to help you understand why I’ve been “missing in action” the past 18 months. http://youtu.be/Uv0kVmvDWds Thank you everyone for your prayers, support, and love! I’m dedicated to helping all of you […]
Accumulation or Income?
{December 10th, 2014} by Sheryl J. Moore
Guaranteed Lifetime Withdrawal Benefit (GLWB) elections increased nearly 10% from the prior quarter. It is surprising to see such a big increase in GLWB elections when there has been such a focus on the accumulation story with ‘uncapped strategies.’ Makes one wonder if the focus of third quarter sales was really on accumulation or not! ~sjm
THIRD QUARTER 2014 INDEXED INSURANCE SALES
{November 19th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2014 shows third quarter 2014 indexed annuity sales were $11,488 million, compared with sales of $10,050 million for the third quarter of 2013. Third quarter indexed annuity sales were down nearly 9.00% when compared to the previous quarter, and up more than 14.00% when compared […]
Second Quarter 2014 Indexed Insurance Sales
{August 20th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2014 shows second quarter 2014 indexed annuity sales were $12,566 million, compared with sales of $9,203 million for the second quarter of 2013. Second quarter indexed annuity sales were up more than 15% when compared to the previous quarter, and up nearly 37% when compared […]
First Quarter 2014 Indexed Insurance Sales
{May 27th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2014 shows first quarter 2014 indexed annuity sales were $10,869 million, compared with sales of $7,863 million for the first quarter of 2013. First quarter indexed annuity sales were down nearly 6% when compared to the previous quarter, and up more than 39% when compared with […]
Fourth Quarter 2013 Indexed Insurance Sales
{March 18th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2013 shows fourth quarter 2013 indexed annuity sales were $11,544 million, compared with sales of $8,547 million for the fourth quarter of 2012. Fourth quarter indexed annuity sales were up nearly 15% when compared to the previous quarter, and up more than 35% when compared with […]
Third Quarter 2013 Indexed Insurance Sales
{November 15th, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2013 shows third quarter 2013 indexed annuity sales were $10,053 million, compared with sales of $8,738 million for the third quarter of 2012. Third quarter indexed annuity sales were up more than 9% when compared to the previous quarter, and up more than 15% when compared […]
Second Quarter 2013 Indexed Insurance Sales
{August 21st, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2013 shows second quarter 2013 indexed annuity sales were $9203 million, compared with sales of $8762 million for the second quarter of 2012. Second quarter indexed annuity sales were up more than 17.00% when compared to the previous quarter, and up more than 5.50% when compared […]
First Quarter 2013 Indexed Insurance Sales
{May 27th, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2013 shows first quarter 2013 indexed annuity sales were $7846 million, compared with sales of $8071 million for the first quarter of 2012. First quarter indexed annuity sales were down more than 8.00% when compared to the previous quarter, and down nearly 3.00% when compared with […]
Fourth Quarter 2012 Indexed Insurance Sales
{March 18th, 2013} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2012 shows fourth quarter 2012 indexed annuity sales were $8461 million compared with sales of $8723 million for the previous quarter. Fourth quarter sales were down 3.00% when compared with the previous quarter and up 2.00% when compared with the same period one year ago. […]
Opportune statistics!
{January 23rd, 2013} by Sheryl J. Moore
Just read through this month’s InsuranceNewsNet Magazine and came across a couple opportune statistics from a Harris Interactive survey about America’s search for financial peace of mind: 61% percent of American adults age 55+ view saving enough to have “financial peace of mind” as top financial priority. In addition 32% say that they plan to look into ways to […]
Just an update…
{January 9th, 2013} by Sheryl J. Moore
Just a heads-up that I do not endorse any company, financial product, OR software package. I endorse Sheryl and nothing more! 🙂 sjm
Third Quarter 2012 Indexed Insurance Sales
{November 16th, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 3rd Quarter 2012 shows third quarter 2012 indexed annuity sales were $8723 million compared with sales of $8719 million for the previous quarter. Third quarter sales were up 0.04% when compared with the previous quarter and up 0.24% when compared with the same period one year ago. […]
Top Ten Reasons I am Purchasing an Indexed Annuity
{October 17th, 2012} by Sheryl J. Moore
Ever wonder why someone would want to purchase an indexed annuity while caps hover the 3.00% range? How about why a prospect would choose to “lock” themselves into a product, while the industry faces historical-low interest rates? Join NAFA and Sheryl J. Moore, as the indexed annuity expert discusses why she is about to purchase […]
The Latest on the 70/10 Rule
{September 26th, 2012} by Sheryl J. Moore
We are receiving an insurmountable number of calls regarding the announcement of Ohio’s pending adoption of the 70/10 Rule (often referred to as the 10/10). In response, I wanted to update everyone on this anti-competitive regulation that has been adopted (in some form) or put on the table by more than one-out-of-four states in our nation. This is regulation […]
AWESOME Statistics and Facts on Retirement and Life Insurance
{September 26th, 2012} by Sheryl J. Moore
Just read this week’s Investment News, and came across some fabulous data that I thought could benefit you all. 1. Key findings of ING U.S. via a survey conducted in July by Praxis Research Partners: – 51% of uninsured Americans consider life insurance to be an expense that they cannot afford – One out of […]
Second Quarter 2012 Indexed Insurance Sales
{August 22nd, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 2nd Quarter 2012 shows second quarter 2012 indexed annuity sales were $8719 million compared with sales of $8071 million for the previous quarter. Second quarter sales were up more than 8% when compared with the previous quarter and up nearly 6% when compared with the same period […]
An Introduction to Indexed Annuities- Risk vs. Reward
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Indexed Annuities- Crediting Methods
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Indexed Annuities- Policy Provisions, Part II
{August 22nd, 2012} by Brokers Alliance
Click here to watch the video.
An Introduction to Indexed Annuities- Policy Provisions
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Fixed Indexed Annuities- Indices
{August 21st, 2012} by Sheryl J. Moore
Click here to watch the video.
Guggenheim Vying for Some or All of Aviva USA
{August 13th, 2012} by Sheryl J. Moore
To read the article, click here: http://www.cnbc.com/id/48641419/Guggenheim_Life_well_placed_to_buy_Aviva_USA_report.
Is Fidelity Investments on a Mission to Deceive Indexed Annuity Prospects and Policyholders?
{August 7th, 2012} by Sheryl J. Moore
In the past week, I have received two reports of representatives from Fidelity Investments aggressively bad-mouthing indexed annuities to purchasers and/or prospects of these “safe money” products. This cannot be a coincidence. These two different insurance agents did business on opposite sides of the country. They both told me that their clients felt “strong-armed.” The Fidelity Investments representatives were reportedly very aggressive, merely […]
Wendy Waugaman’s Passing
{June 19th, 2012} by Sheryl J. Moore
The following message was sent by David J. Noble, Founder and Executive Chariman of American Equity Investment Life on June 19, 2012: “It is with great sadness that I must inform you that American Equity has lost a special friend and significant team member. Wendy Waugaman has been fighting a long and courageous battle with […]
First Quarter 2012 Indexed Insurance Sales
{May 21st, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 1st Quarter 2012 shows first quarter 2012 indexed annuity sales were $8071 million, compared with sales of $7115 million for the first quarter of 2011. First quarter indexed annuity sales were down nearly 3.00% when compared with the previous quarter, and up nearly 14.00% when compared with […]
California resident victimized by a (Nea)sham?
{May 14th, 2012} by Sheryl J. Moore
By now, many of you have read my balanced perspective of the Glenn Neasham case on ProducersWEB. The aforementioned blog was drafted after having read only one article on this case, admittedly not having access to all the facts of the case. The purpose of the piece: to ask our industry to look at the […]
A Report of the Glenn Neasham Case that You Cannot Miss
{May 13th, 2012} by Sheryl J. Moore
For more than a decade, I have benefitted from a subscription to a journal called, The Insurance Forum. The editor of this trusted publication, Dr. Joseph Belth, is an unrivaled insurance researcher and reporter, as well as a renowned Professor Emeritus of Insurance in the Kelley School of Business at Indiana University. If you want […]
Cool, Free Stuff for a Moment of Your Time
{April 18th, 2012} by Sheryl J. Moore
Hey there! I really need your help. I need to know all of the things that prospects look for in a financial services professional. I’ve never had to look for one (simply because I came out of the womb asking for blood, urine, and an MVR). For that reason, I could really use your perspective […]
A Sale of Aviva USA in the Near Future?
{April 12th, 2012} by Sheryl J. Moore
I was absolutely shocked this morning to see the headlines regarding Aviva PLC welcoming offers on it’s U.S. life insurance subsidiaries. I’m interested to hear what all of you think about this? sjm
Let the Social Networking Games Begin
{April 4th, 2012} by Sheryl J. Moore
Good morning everyone! It is another one of those sleepless nights for me, here in the indexed annuity capital of the world. Before I get into my rant here, I just want to let it be known that I am just as competitive as the next gal/guy out there. Probably more so […]
GREAT Statistic
{March 29th, 2012} by Sheryl J. Moore
According to Market Rates Insight, 18% of bank deposits were held in CDs as of December. This is down 31.1% in January 2007. Opportunities, anyone? sjm
Join the Conversation on Glenn Neasham’s California Case
{March 25th, 2012} by Sheryl J. Moore
Perhaps one of the most controversial cases to erupt in the insurance industry, the plight of Glenn Neasham is resounding with insurance agents all over the nation. If you haven’t contributed to the conversation, join over 20,000 others in what is quite possibly the most commented-on blog ever published at Producers Web. While you are […]
Fourth Quarter 2011 Indexed Insurance Sales
{March 14th, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2011 shows fourth quarter 2011 indexed annuity sales were $8295 million, compared with sales of $8374 million for the fourth quarter of 2010. Fourth quarter indexed annuity sales were down nearly 5.00% when compared with the previous quarter, and down just under 1.00% when compared […]
The outrage over Glenn Neasham: a different perspective
{March 12th, 2012} by Sheryl J. Moore
When you are an independent insurance agent, particularly in today’s day and age of regulation, disclosure, due diligence and scrutiny, you need to expect that you alone are responsible for your actions and the consequences that come with them. This is why I always advise agents to CYA — cover your annuities. There is no […]
Are you an annuity competitive intelligence analyst?
{January 25th, 2012} by Sheryl J. Moore
Have you ever thought to yourself, MY LIFE WOULD BE SO MUCH BETTER IF I LIVED IN: – Forbes’ #1 City for Best Places for Business and Careers – Forbes’ #1 by Best City for Young Professionals – U.S. News & World Report’s #1 Richest Metro in the Nation – Parenting Magazine’s #5 Best City for […]
Indexed Universal Life Products- Part 5
{January 14th, 2012} by Sheryl J. Moore
The last video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Five of Five
Indexed Universal Life Products- Part 4
{January 14th, 2012} by Sheryl J. Moore
Yet another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Four of Five
Indexed Universal Life Products- Part 3
{January 11th, 2012} by Sheryl J. Moore
Another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Three of Five
Indexed Universal Life Products- Part 2
{January 10th, 2012} by Sheryl J. Moore
Another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Two of Five- Indexed Insurance Products Series I Life
Indexed Universal Life Products
{January 10th, 2012} by Sheryl J. Moore
A video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part One of Five- Indexed Insurance Products Series I Life
Term Life Insurance Is NOT Enough
{January 8th, 2012} by Sheryl J. Moore
In my travels, I have had the opportunity to visit with hundreds of thousands of people that I don’t know in the slightest. In my interactions with these inquisitive strangers, one misconception about life insurance is not only prominent, but particularly disturbing. TERM LIFE INSURANCE IS NOT ENOUGH! Although the MIB cites that one-third of all Americans have […]
Indexed Annuity Training with Asset Marketing Systems
{January 6th, 2012} by Sheryl J. Moore
January 6, 2012 11:00 AM – 3:00 PM 15050 Avenue of Science #100 Join Sheryl J. Moore and Asset Marketing Systems in the following indexed annuity training: Indexed Annuity and Safe Money Fundamentals Since their introduction to the insurance market in 1995, indexed annuities have become an invaluable part of the retirement income story. Most […]
What Would You Do?
{December 4th, 2011} by Sheryl J. Moore
If you could be Sheryl J. Moore for ONE day…what would you do? – Teach regulators about indexed life insurance and indexed annuities? – Write an article about life insurance and annuities, in order to educate insurance agents? – Read a sample annuity contract? – Evaluate a life insurance specimen contract? – Crunch sales data and […]
Third Quarter 2011 Indexed Insurance Sales
{November 15th, 2011} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 3rd Quarter 2011 shows third quarter 2011 indexed annuity sales were $8702 million, compared with sales of $8772 million for the third quarter of 2010. Third quarter indexed annuity sales were up over 5% when compared with the previous quarter, and down less than 1% when compared […]
Why are Indexed Life Caps So Much Higher Than Indexed Annuities’?
{November 11th, 2011} by Sheryl J. Moore
Number one question asked since historical-low interest rates have depressed indexed annuity caps: “Why are the caps on indexed life insurance products so much higher than those on indexed annuities?” Good question. Simple answer. Let us explore how insurance companies are able to make a profit on each of these products. On annuities, insurance companies […]
Index Life & Annuity Forum
{October 24th, 2011} by Sheryl J. Moore
Home // // Index Life & Annuity Forum – Orlando Thursday, November 03, 2011 8:00 AM – Friday, November 04, 2011 1:00 PM (Eastern Time) Omni Orlando Resort at ChampionsGate (407) 390-6664 1500 Masters Blvd. ChampionsGate, Florida 33896 United States Map and Directions All Travel Arrangements and Hotel Accomodations will be the […]
It Is An Exciting Time to Have Indexed Life in Your Arsenal
{October 16th, 2011} by Sheryl J. Moore
For nearly 15 years I have been singing the praises of Indexed Life. For much of that time, people ignored my preaching about this product rich in guarantees, which also gave the ability to earn interest based on the market’s performance. WELL NOT ANYMORE! At the close of 2010, Indexed Life sale eclipsed VUL sales […]
OMG: A company that has been in the indexed annuity market just launched an IUL
{September 23rd, 2011} by Sheryl J. Moore
Apparently there is big talk in the industry this week about an email that was distributed by a certain individual acting on behalf of a marketing organization, speculating about the competitiveness of a new indexed UL. Here’s the deal. Yes, the company in question did recently launch an indexed UL. Is it any good? I’ll […]
OMG- a Company That Has Been in the Indexed Annuity Market Just Launched an IUL
{September 22nd, 2011} by Sheryl J. Moore
Apparently there is big talk in the industry this week about an email that was distributed by a certain individual acting on behalf of a marketing organization, speculating about the competitiveness of a new indexed UL. Here’s the deal. Yes, Ameriprise did recently launch an indexed UL. Is it any good? I’ll let you be […]
Introduction to Indexed Annuities
{September 14th, 2011} by Sheryl J. Moore
A video about indexed annuities with Steve Savant, of Brokers Alliance, and Sheryl Moore. Introduction to Indexed Annuities
Indices and Crediting Methods Indexed Universal Life
{September 14th, 2011} by Sheryl J. Moore
A video about indexed life crediting methods with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indices and Crediting Methods Indexed Universal Life
Introduction to Indexed Universal Life
{September 14th, 2011} by Sheryl J. Moore
A video about indexed life with Steve Savant, of Brokers Alliance, and Sheryl Moore. Introduction to Indexed Universal Life
Proposals, Illustrations, and Income Scenarios Indexed Universal Life
{September 14th, 2011} by Sheryl J. Moore
A video about indexed life illustrations with Steve Savant, of Brokers Alliance, and Sheryl Moore. Proposals, Illustrations, and Income Scenarios Indexed Universal Life
Income and Death Benefit Riders with Indexed Annuities
{September 14th, 2011} by Sheryl J. Moore
A video about indexed annuity GLWBs and GMDBs with Steve Savant, of Brokers Alliance, and Sheryl Moore. Income and Death Benefit Riders with Indexed Annuities
Second Quarter 2011 Indexed Insurance Sales
{August 15th, 2011} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 2nd Quarter 2011 shows second quarter 2011 indexed annuity sales were $8273 million compared with sales of $7141 million for the previous quarter. Second quarter sales were up nearly 16% when compared with the previous quarter and down just over 1% when compared with the same period […]
Iowa Provides Guidance on “Source of Funds”
{June 28th, 2011} by Sheryl J. Moore
The state of Iowa Insurance Division has issued guidelines that put registered reps and insurance agents on a level playing field in terms of “source of funds.” See below the bulletin which was issued: INSURANCE BULLETIN 11-4 AND SECURITIES BULLETIN 11-1 To: Persons Licensed in Iowa to Sell Insurance and/or Securities From: Susan E. Voss, […]
First Quarter 2011 Indexed Insurance Sales
{May 17th, 2011} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 1st Quarter 2011 shows first quarter 2011 indexed annuity sales were $7141 million compared with sales of $8374 million for the previous quarter. First quarter sales were down almost 15% when compared with the previous quarter and up nearly 5% when compared with the same period one […]
I Need Policyholder Annual Statements: HELP!
{April 21st, 2011} by Sheryl J. Moore
Do you have clients that own indexed annuities? Have you ever seen an unbelievable one-year gain on one of their policyholder annual statements? If so, I need your help! I am collecting indexed annuity policyholder annual statements showing awesome one-year gains. If you have a specimen that you would be willing to share, there’s something in […]
Indexed Annuity Complaints Drop in Half
{April 13th, 2011} by Sheryl J. Moore
For anyone who thinks that indexed annuity complaints are a problem, I’ve got news for you…THEY ARE INFINITESIMAL! I am very pleased to report that indexed annuity complaints were down yet again for 2010; by nearly 50%. See data below from the National Association of Insurance Commissioner’s Closed Complaint Database: TOTAL INDEXED ANNUITY COMPLAINTS FOR […]
Consumers’ Education of Financial Services Products
{March 30th, 2011} by Sheryl J. Moore
Since entering the financial services industry twelve years ago, I have had the opportunity to regularly witness the lack of information that consumers have access to when it comes to financial services products. Back before the turn of the century, I could easily count myself among the ignorant. Today, I frequently run into friends or relatives […]
Fourth Quarter 2010 Indexed Insurance Sales
{March 4th, 2011} by Sheryl J. Moore
Fourth Quarter 2010 Indexed Insurance Sales Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2010 shows fourth quarter 2010 indexed annuity sales were $8374 million compared with sales of $8770 million for the previous quarter. Fourth quarter sales were down almost 5% when compared with the previous quarter and up nearly 19% when […]
Indexed Life Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010
{March 4th, 2011} by Sheryl J. Moore
Sales Trends Indexed Life Sales Leaders 1998 American General ING (Southland) Conseco Union Central Transamerica 1999 American General ING (Southland) Conseco Americo National Life Group 2000 American General (est) Conseco ING (Southland) Aviva Allstate 2001 Aviva Conseco American General (est) Allstate Lafayette 2002 Aviva Conseco Lafayette Allstate ING (Southland) (est) 2003 Aviva Conseco Lafayette American […]
Indexed Life Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010
{March 4th, 2011} by Sheryl J. Moore
Sales Trends Indexed Life Sales Leaders 1998 American General ING (Southland) Conseco Union Central Transamerica 1999 American General ING (Southland) Conseco Americo National Life Group 2000 American General (est) Conseco ING (Southland) Aviva Allstate 2001 Aviva Conseco American General (est) Allstate Lafayette 2002 Aviva Conseco Lafayette Allstate ING (Southland) (est) 2003 Aviva Conseco Lafayette American […]
Indexed Annuity Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010
{March 4th, 2011} by Sheryl J. Moore
Sales Trends Indexed Annuity Sales Leaders 1997 Keyport Life Jackson National Conseco SAFECO (est) Lincoln Benefit 1998 Conseco Jackson National SAFECO (est) Allianz Keyport Life 1999 Jackson National Conseco Old Mutual American Equity Allianz 2000 Allianz American Equity Jackson National Midland National Conseco 2001 Allianz Midland National American Equity Aviva Jackson National 2002 Allianz Midland […]
Indexed insurance products set 2010 sales records despite challenges
{March 2nd, 2011} by Sheryl J. Moore
Preliminary 2010 sales of indexed insurance products show that the growth in sales of these products is staggering. Not only do we have the not-too-distant decline in the stock markets fueling that fire, but also historically low interest rates on traditional fixed money products such as certificates of deposit, fixed annuities, and fixed universal life. […]
