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  • In Uncertain Market, Consumers Cling to the Model T of Annuities

    {September 23rd, 2020} by Warren S. Hersch

    “Fixed annuities are all about the rate,” says Sheryl Moore, CEO of market research firm Wink. “If the rates are terrible, no one is going to invest in product development or innovation, because the sales just aren’t there.” Click HERE to read the full story via Life Annuity Specialist

    Annuity Sellers Have Created Only 30 Products for $80T Market

    {September 23rd, 2020} by Arthur D. Postal

    That lack of selection can be frustrating, according to Sheryl Moore, president of Moore Marketing Intelligence, which provides data about the life insurance and annuity market. Click HERE to read the full story via Life Annuity Specialist

    FUNDING UNIVERSAL LIFE INSURANCE AT TARGET? YOU’RE MISSING THE POINT: REPRINT #LIAM2020

    {September 23rd, 2020} by Sheryl J. Moore

    The following article is a reprint, originally written July 15, 2013 by Sheryl J. Moore: Throughout the past [20] years of working with universal life (UL) products, one comment in particular has been overheard far too often: “…fund this UL at [X percent] over target.” This comment is especially popular in the indexed life market, […]

    BUY TERM AND “INVEST” THE REST WITH INDEXED UNIVERSAL LIFE: Reprint #LIAM2020

    {September 23rd, 2020} by Sheryl J. Moore

    For as long as I’ve been handling my own finances, I’ve been hearing that people should “buy term and invest the difference.” I have never really taken stock in the concept. I mean, I am a financial services professional that cut her teeth on whole life, but who would adopt this theory centered around buying […]

    The Inconceivable Life Lesson: REPRINT #LIAM2020

    {September 23rd, 2020} by Sheryl J. Moore

    He was not yet four years old when my manager in the home office sat me down and suggested that I purchase life insurance for my oldest child, my only son, AJ. It seemed strange to me to consider his death. Why would I want to purchase life insurance on my child? I would predecease him. This […]

    In Your 30s? 14 Strategies To Reach Savings Goals Faster

    {September 16th, 2020} by Expert Panel, Forbes Finance Council

    Your 30s are often considered your prime earning years. At this age, you’re in a great position to start capitalizing on life experiences and building your nest egg. Starting to save earlier in life gives you more options later on and puts you in a great position when it’s time to retire. We asked a […]

    Nest Egg Depleted? 12 Expert Tips For Rebuilding

    {September 16th, 2020} by Expert Panel

    The pandemic has brought uncertainty to the national economy and has impacted household budgets. In addition to a volatile market, many have faced reduced work hours and work stoppages—forcing individuals and families to dip into their savings to stay afloat. Households need to rebuild their emergency savings if they’re to be ready for potential future […]

    We Need Help Growing Life Insurance Distribution: REPRINT #LIAM2020

    {September 16th, 2020} by Sheryl J. Moore

    Originally posted February 5, 2011 by Sheryl J. Moore Most of you know that I am passionate about indexed life insurance and indexed annuities. However, I am passionate about insurance products in general. In fact, one of the things that I am MOST passionate about is growing our distribution! Not so long ago, life insurance […]

    INDEXED LIFE AS A REPLACEMENT FOR INDEXED ANNUITIES?: REPRINT #LIAM2020

    {September 15th, 2020} by Sheryl J. Moore

    IUL SHOULD ONLY BE SOLD TO FULFILL A LIFE INSURANCE NEED. If you asked me four years ago what the average cap was on an indexed annuity’s annual point-to-point crediting method, my response would have been, “a decent 6.86 percent.” Today, my response is, “a lousy 3.13 percent.” How are you, the independent insurance agent, supposed […]

    WHY ARE INDEXED LIFE CAPS SO MUCH HIGHER THAN INDEXED ANNUITIES’? REPRINT #LIAM2020

    {September 15th, 2020} 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 only […]

    Annuities in coronavirus slump as VAs draw regulatory and academic scrutiny

    {September 9th, 2020} by Tobias Salinger

    In a signal of the economic toll of the coronavirus pandemic, annuity sales are tumbling and shifting toward protection-based products. Click HERE to read the full story via Financial Planning      …………………………………………………………………………………………….   The changing conditions coincided with a new issuer reaping with the most sales of fixed-index annuities, Wink CEO Sheryl Moore says. After more […]

    DROPPING SOME KNOWLEDGE ON UNIVERSAL LIFE PRODUCTS: REPRINT #LIAM2020

    {September 8th, 2020} 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 […]

    Understanding Indexed Life Illustrations: Reprint #LIAM2020

    {September 8th, 2020} by Sheryl J. Moore

    At what rate do we illustrate the cash value growth of indexed life insurance products?   This is a question that has plagued the life insurance industry since indexed universal life (IUL) was developed in January 1997. The National Association for Insurance Commissioners (NAIC) adopted the life insurance illustration model regulation two years before the […]

    Monday Motivation: Trust me

    {September 2nd, 2020} by NAILBA

    “Kick off your week with important tips about annuity sales in the special edition of NAIBA’s award-winning Perspectives magazine”    Click HERE to view Trust Me by Sheryl Moore via NAILBA. Click HERE to view NAILBA on LinkedIn.  

    I Give a Damn About Life Insurance – You Should Too! REPRINT FOR #LIAM2020

    {September 2nd, 2020} by Sheryl J. Moore

    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 the risk of dying unexpectedly. And let’s face it – we’re all going to die. For that reason alone, I thought that I should purchase life […]

    THE BASICS ON INDEXED UNIVERSAL LIFE: Reprint for #LIAM2020

    {September 1st, 2020} by Sheryl J. Moore

    February 7, 2011 It has been nearly thirty years since consumers were first offered the benefits of Universal Life (UL) and with UL came flexibility in premium payments, death benefit options, coverage amounts, and all sorts of other things that they never dreamed of. UL was the beginning of a whole new world of product […]

    “Why NOW is THE BEST Time to be Selling Annuities”

    {August 26th, 2020} by Sheryl J. Moore

    If you are looking for an opportunity to get pumped-up and hear what’s going on in the annuity business, you HAVE TO check this out! Vision Sales Forum Day 1. Monday, September 21, 2020.  2:00 P.M.  “Why NOW is THE BEST Time to be Selling Annuities” -Sheryl Moore, President & CEO Moore Market Intelligence Click […]

    Trust Me

    {August 19th, 2020} by Sheryl J. Moore

    One of the biggest reasons that people put their retirement savings monies into Certificates of Deposit (CDs), rather than annuities, is because they are comfortable with their bank. They know what a CD is; their parents likely had some. The bank is real; they can walk inside of it. They know people at their bank; […]

    IMO’s Business Model Tries to Disrupt How Annuities Are Sold

    {August 12th, 2020} by Cyril Tuohy

    A Detroit-based independent marketing organization is betting it can boost its agent ranks with a simple proposition: join us and get paid in hours, not weeks.   Click HERE to read the full story via Life Annuity Specialist           ………………………………………………………………………………………………………… “While I have heard of many of the services that are […]

    SALES MAY BE DOWN, BUT THE ANNUITY INDUSTRY WILL BOUNCE BACK WITH SHERYL MOORE

    {August 5th, 2020} by Paul Tyler

    EPISODE 57. Sheryl Moore, Chief Storyteller of Wink, Inc. and industry guru joins us to talk about the state of the annuity market. Yes, sales are down. But Sheryl finds some bright spots and suggests ways we can adapt our products and sales processes to succeed over the next 12-18 months. Click HERE to listen via […]

    Annuity Compensation: Commission vs. Fees

    {July 22nd, 2020} by Sheryl J. Moore

    I recently achieved a new status in the insurance industry: social influencer. And never, in my decades of insurance experience have I witnessed a debate on social media that is more heated and passionate than that of fee-based advisors versus those who are commissioned. The argument? Click HERE to read the original story via NAILBA […]

    Prudential Tips ‘First Domino’ By Suspending GUL Product: Analyst

    {July 8th, 2020} by John Hilton

    Prudential Financial is pulling its UL Protector product from the market, effective July 13, and one industry analyst expects many more products to join it on the sidelines. The problem is that ultra-low interest rates make it difficult to support guaranteed universal life designs, explained Sheryl J. Moore, president and CEO of Moore Market Intelligence […]

    Legacy’s Virtual IMO University: Insights and Strategies for Sucess in an Uncertain World

    {July 1st, 2020} by Legacy Marketing Group

    SHERYL MOORE, president and CEO of Moore Market Intelligence, founder of Wink’s Sales & Market Report, and renowned Annuity Rockstar, will reveal what’s happening in the FIA market, including carrier and product trends and how carriers are reacting to our current environment. Click HERE to view invite. 

    Better than Throwing Darts

    {June 30th, 2020} by Kerry Pechter

    When Kent Jacquay, a 47-year-old former insurance producer with a knack for computer programming, speaks to groups of insurance agents about selling fixed indexed annuities (FIAs) his favorite prop is a dartboard—a metaphor for how they tend to pick contracts for clients. Click HERE to read the full article via Retirement Income Journal.   ……………………………………………………………………………….. […]

    REPRINT: 100 facts your clients need to know about annuities: #AnnuityAwarenessMonth

    {June 24th, 2020} by Sheryl J. Moore

    Did you know that that the top fear of Americans is outliving their retirement income? Death comes in as the second top fear. It’s easy to see that annuities are still the black box of the insurance industry … what a shame. Did you know that the top fear of Americans is outliving their retirement income? (Death […]

    REPRINT: DON’T ASSUME PROSPECTS KNOW ANNUITIES, #AnnuityAwarenessMonth

    {June 24th, 2020} by Sheryl J. Moore

    DON’T ASSUME PROSPECTS KNOW ANNUITIES April 21, 2013 by Sheryl J. Moore By Sheryl J. Moore, President and CEO of Moore Market Intelligence, an indexed product resource in Des Moines, IA.   I was speaking to a health insurance agent today who was looking for information on life insurance and annuities. He was genuinely interested […]

    REPRINT: Unknowingly Sticking It To Your Annuity Clients? #AnnuityAwarenessMonth

    {June 16th, 2020} by Sheryl J. Moore

    Posted By: Editor On 8/3/2011 11:00:00 AM By Sheryl Moore AnnuityNews Are you sticking it to your clients? You might be and not even know it. The key to illuminating whether you are unknowingly putting your life insurance and annuity clients in a bad position with the products that you sell them is to identify […]

    REPRINT: Need an Rx for retirement? The doctor is in. #AnnuityAwarenessMonth

    {June 16th, 2020} by Sheryl J. Moore

    It took me a long time to get my “doctorate in lifetime income.” The journey commenced once I reviewed my retirement account statement after the dot-com bubble burst. I felt absolutely nauseous. Losing money did not sit well with my stomach. If a 401(k) had caused me to retch so violently, what retirement product could […]

    REPRINT: FMO Q&A #AnnuityAwarenessMonth

    {June 16th, 2020} by Sheryl J. Moore

    Originally published October 2019 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 […]

    Does Your Suffering Need Buffering?

    {June 9th, 2020} by Kerry Pechter

    Buffered or structured variable annuities ‘are the new shining star of the annuity market,’ said Sheryl Moore, CEO of Wink, Inc., which tracks annuity sales. ‘This is where life insurers will start focusing their product development resources.’   Ten short years ago, the annuity developers at AXA Equitable (now Equitable Financial) faced a dire challenge. […]

    REPRINT: CONSUMERS DEMAND INDEXED ANNUITIES #AnnuityAwarenessMonth

    {June 8th, 2020} by Sheryl J. Moore

    CONSUMERS DEMAND INDEXED ANNUITIES October 31, 2012 by Sheryl J. Moore by Sheryl J. Moore 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; not even on that confounded thing they called “the internet.” It […]

    REPRINT: HOW CAN SO MANY BE SO WRONG ON ANNUITIES? #AnnuityAwarenessMonth

    {June 8th, 2020} by Sheryl Moore

    April 13, 2018 by Sheryl J. Moore Did you know that the biggest fear of Americans age 50 and older is running out of money in retirement?1 Did you know that an annuity is the one financial instrument that can guarantee an income you will never outlive? Let that sink in. We’ll get back to that in […]

    The Fixed Annuity Market, Analyzed

    {June 3rd, 2020} by Sheryl J. Moore

    It is hard to believe how very dramatically things have changed in our world in just a short three months. At this time in February, I was doing a keynote for a group of insurance company executives who focus their sales primarily on annuity products. We had some good food, did some networking, and exchanged […]

    Annuity sales falter, but clients flock to this product

    {June 2nd, 2020} by Tobias Salinger

    The economic fallout from the coronavirus is tilting the annuity marketplace in favor of structured products even as overall sales falter. Click HERE to read the full story via Financial Planning     …………………………………………………………………………………..   Low interest rates drew clients to structured products in the first quarter, boosting the fastest growing segment of the annuities […]

    REPRINT: The (Annuity) sky isn’t falling #AnnuityAwarenessMonth

    {June 2nd, 2020} by Sheryl J. Moore

    Part of what I do for my full-time hustle is to track every annuity, its features, rates, and sales. AnnuitySpecs may look like a simple website, but there is A LOT of work that goes into that tool. Almost a dozen people are needed just to keep up with all the product information that goes […]

    REPRINT: ANNUITY ILLUSTRATIONS: LIABILITY YOUR AGENTS DON’T NEED #AnnuityAwarenessMonth

    {June 2nd, 2020} by Sheryl J. Moore

    When it comes to life insurance sales, you cannot close the deal without an illustration. Thanks to the National Association of Insurance Commissioner’s (NAIC’s) Life Insurance Illustration Model Regulation, there are very few instances where one need not collect an illustration to get a life policy issued. However, when it comes to the annuity side […]

    From Stay-At-Home Mom To Insurance Evangelist

    {May 27th, 2020} by John Hilton

    Originally published February 2020 and reprinted in celebration of Sheryl’s 15th anniversary of the founding of Wink, Inc. Sheryl Moore found herself alone at just about the worst time in life to be alone. A single, stay-at-home mom of three kids with no child support and no job, she calculated her child care costs at $455 […]

    Helping Your Clients Meet Retirement Income Needs

    {May 13th, 2020} by Kate Stalter

    The market downturn is focusing investors’ attention on the safety of future income streams, particularly those earmarked for retirement. Click HERE to read the full story via U.S. News   Sheryl Moore, CEO of Moore Market Intelligence in Des Moines, Iowa, says many consumers are unfamiliar with annuities. “Most people have never heard of an annuity. […]

    Transamerica VA targets fee-based advisers

    {May 6th, 2020} by Emile Hallez

    Transamerica rolled out a low-cost variable annuity Monday that’s designed for fee-based advisers. Click HERE to read the full story via InvestmentNews   ………………………………………………………. The announcement from Transamerica “is intriguing,” Sheryl Moore, head of Moore Market Intelligence, said in an email. “It almost looks like they are going to have an internal sales team, within their home […]

    The (Annuity) sky isn’t falling

    {April 22nd, 2020} by Sheryl J. Moore

    Part of what I do for my full-time hustle is to track every annuity, its features, rates, and sales. AnnuitySpecs may look like a simple website, but there is A LOT of work that goes into that tool. Almost a dozen people are needed just to keep up with all the product information that goes […]

    Is the coronavirus crisis the right time to talk to clients about annuities?

    {April 22nd, 2020} by Tobias Salinger

    In the middle of a public health and economic crisis, a so-called flight to safety sounds like a great idea. Click HERE to read the full story via Financial Planning   ………………………………………………………………………………………   These conditions make it a good time to discuss whether annuities might fit a client’s goals, says Sheryl J. Moore, CEO of […]

    Annuities take center stage

    {April 15th, 2020} by Emile Hallez

    The COVID-19 pandemic has given people many reasons to be nervous, not least of which being how it has hurt their investments and their ability to retire.   Click HERE to read the full story via InvestmentNews     ……………………………………………………………………………………….     “There’s a flight to safety,” said Sheryl Moore, CEO of Moore Market Intelligence. “If this is anything like things […]

    What Has Become of Us?

    {April 8th, 2020} by Sheryl J. Moore

    When I heard about my grandfather’s experience paying his first death claim, I KNEW what a noble profession being an insurance agent was. Protection. Security. Safety. These values motivated me to serve the life insurance industry, beginning in my early 20s. Working for a mutual/career agency company marketing participating whole life, and transitioning to a […]

    Companies Pull Annuities, Drop Rates

    {March 25th, 2020} by Steve Morelli

    Annuity companies are scrambling to reduce rates and starting to pull products from the market, said Sheryl Moore, Wink CEO. Carriers are holding back while the equity and bond markets roil in volatility. Although the stock markets have been dropping persistently, bond prices have been fluctuating wildly, especially since the Federal Reserve cut its funds […]

    CSO Deadline Drives Indexed Life Sales Records In 2019: Wink

    {March 24th, 2020} by Press Release

    Life insurance sales were very strong in 2019, according to Wink’s Sales & Market Report, with indexed life sales smashing records. Click HERE to read the full story via INN   …………………………………………………………………… “I anticipated that this would be another record-setting year for indexed life,” said Sheryl J. Moore, president and CEO of both Moore Market […]

    Observation Posts

    {March 20th, 2020} by Kerry Pechter

    As if we weren’t already deeply divided, Americans are now asked to stand six feet apart. Clear verbal communication, not communicable viruses, is now essential. Words can be contagious, for good or ill. If the following comments go viral, no harm will be done, and maybe some good. Click HERE to read the full story […]

    Echoes Of 2008: Annuities Surge When Equities Crash

    {March 18th, 2020} by Steve Morelli

    The past few weeks of dramatic news might sound eerily similar to the 2008 crash, but there are some key differences for annuities, as well as some positive similarities.   Click HERE to read the full story via INN   ………………………………………………………………………………… Sheryl Moore, CEO of Wink, also said although this crisis has many similarities to […]

    Annuity Rates Plummet, Commissions Might Be Next

    {March 18th, 2020} by Steve Morelli

    Annuity companies have been cutting their rates across all fixed products – some a few times in two weeks amid the crash in equity markets and Treasury yields, said an annuity analyst. “I track about 80 annuity companies,” said Sheryl Moore, CEO of Wink. “As of yesterday, I had 75 rate reductions just since March […]

    Sheryl Moore and Phil Graham

    {March 11th, 2020} by Sheryl Moore and Phil Graham

    Annuities… What to expect with recent economic challenges. How will it affect your annuity business.

    Way to go Rockstar!

    {February 25th, 2020} by Wink's RockStars

    Sheryl J. Moore, a 2019 NAILBA ID Twenty Award Winner was recognized at the NAILBA 38 annual meeting.   View NAILBA Perspectives HERE: https://view.joomag.com/nailba-perspectives-winter-2020/0548239001579540261?short   Held at the Gaylord Texan Resort & Convention Center in Dallas, TX. NAILBA 38 was non-stop opportunity for sharing ideas, building relationships, and support the growth of the brokerage industry.  […]

    Sheryl Moore: From Single Mom To Insurance Rock Star

    {February 11th, 2020} by John Hilton

    She learned fast in a business not known for producing fast learners. After a few years mastering  product development, competitive intelligence and marketing, Moore took a leap of faith and started her own company in 2005. Today, she is one of the industry’s top experts on product performance and pricing. Click HERE to read the […]

    Brighthouse, Athene announce FIA innovations

    {February 8th, 2020} by Editorial Staff

    Competition and the low interest rate environment continues to drive innovation in the fixed indexed annuity market as companies try to dress up their products and avoid a trend toward commoditization. Click HERE to read the full story via RIJ     The average cap rate on an FIA account that’s linked to the S&P500 […]

    Cboe Announces Dynamic Lineup for 36th Annual Cboe Risk Management Conference U.S. 2020

    {February 1st, 2020} by Cboe Global Markets, Inc.

    CHICAGO, Jan. 31, 2020 /PRNewswire/ — Cboe Global Markets, Inc. (Cboe: CBOE), one of the world’s largest exchange holding companies, will host the 36th annual Cboe Risk Management Conference (RMCSM) U.S. at the Hyatt Regency Coconut Point Resort in Bonita Springs, Florida, on Monday, March 2, through Wednesday, March 4. Known for decades as the premier educational forum for equity derivatives, […]

    Death Benefit Claim Fail

    {January 28th, 2020} by Sheryl J. Moore

      As the nation’s top expert on life insurance and annuity products, I have spent a great deal of my time over the last couple of decades pouring-over specimen contracts and prospectuses. It’s what I do. It’s why I’m the life of the party.   Given that, I am going to admit to you one […]

    Security Benefit’s legal woes over indexed annuities persist

    {January 28th, 2020} by Emile Hallez

    A class-action lawsuit claiming that Security Benefit defrauded its indexed annuity clients by deceptively marketing proprietary index performance reemerged in federal court this week.     Click HERE to read the full story via InvestmentNews         ……………………………………………………………………………………………………….     “Insurance companies have been offering hybrid indices on indexed annuities since 2012,” said […]

    How an Annuity Expert Built Her Software Company

    {January 8th, 2020} by Marc Glickman, FSA, CLTC

    “He said, well, why didn’t you buy an indexed annuity? It’s a retirement savings product that guarantees you a paycheck for the rest of your life… an indexed annuity would not subject me to losing money, but allows me to earn money based on the market’s performance to a limited degree.” – Sheryl Moore On […]

    What Might the SECURE Act Mean for Lifetime Income?

    {December 31st, 2019} by John Manganaro

    Among the many important provisions included in the Setting Every Community Up for Retirement Enhancement (SECURE) Act is the establishment of legal protections for plan sponsors offering lifetime income products on their defined contribution (DC) plan menus. Click HERE to read the full story via PLANADVISER     ………………………………………………………………………………………….     Annuity Misconceptions Are Hard […]

    Crafting Annuity Confidence and Clarity Is Hard Work

    {December 23rd, 2019} by John Manganaro

    One passionate analyst says the highly nuanced annuity marketplace does not receive sufficiently careful attention from either the financial services media or potential consumers.     In response to an American Benefits Council (ABC) survey fielded last year, of the 93 large companies polled by the Council, only 13 (14%) indicated that their organization offers a lifetime […]

    With annuity sales rising, Congress provides a ‘safe harbor’ in 401(k)s

    {December 23rd, 2019} by Tobia Salinger

    Congress has passed a bill expected to lead to rosier annuity sales in the future — just as structured products are picking up on the macroeconomic slack dragging down fixed products. Issuers and brokerages are cheering the inclusion of a bipartisan federal retirement bill called the Secure Act in a giant budgetary measure. The legislation […]

    Nine Financial Factors To Consider Before Buying Your First House

    {December 23rd, 2019} by Expert Panel

    Purchasing a house is one of the most — if not the most — impactful financial investments that most of us make in our lives. The mortgage, financing and associated costs of maintenance have the potential to impact a homeowner’s income well into the future. Deciding to buy a house today could have a major […]

    In Your 30s? 14 Strategies To Reach Savings Goals Faster

    {December 11th, 2019} by Expert Panel, Forbes Finance Council

    Your 30s are often considered your prime earning years. At this age, you’re in a great position to start capitalizing on life experiences and building your nest egg. Starting to save earlier in life gives you more options later on and puts you in a great position when it’s time to retire.  We asked a […]

    Structured annuity sales up 61% in 3Q2019, YoY: Wink Inc.

    {December 11th, 2019} by Editorial Staff

    Total sales for all deferred annuity products in the third quarter of 2019 was $55.2 billion, a decline of 5.2% from the previous quarter, according to the 89th edition of Wink’s Sales & Market Report, issued November 26. Total variable deferred annuity sales—including structured annuities and conventional variable deferred annuities—were $25.9 billion in the third quarter, up […]

    3Q Life Insurance Sales Sag Amid Low Rates, Persistent Regulation

    {December 3rd, 2019} by Staff Reports

    Low rates and regulation combined to keep life insurance sales down in the third quarter, one leading analyst says. The new data was compiled by Wink, Inc. in its 89th edition of Wink’s Sales & Market Report. Click HERE to read the full story via INN.     ………………………… “While third quarter is typically a […]

    Life Lessons

    {November 26th, 2019} by Sheryl Moore

    While I have never sold or endorsed any company or product, I have heard many a tale from the front lines. I  wanted to take the time to share with you some lessons learned in life insurance, by friends and colleagues. Competitive ENLGs result in MIA TPAs A long-time career agency owner that I know, […]

    NAIC Panel Splits On Requiring New Illustration Rules For Old Policies

    {November 20th, 2019} by John Hilton

    A significant split opened up this week on applying tightened indexed universal life insurance illustration rules to in-force policies. A National Association of Insurance Commissioners’ subgroup is still working through the details, but has a mandate to clamp down on multipliers and bonuses that critics say enable insurers to get around Actuarial Guideline 49, approved […]

    Penn Mutual’s Possibilities Podcast: An Industry Expert’s Take on Today’s Changing Product Landscape

    {November 20th, 2019} by Penn Mutual

    Industry expert Sheryl J. Moore discusses how regulatory changes and trends such as leveraged indexed products are changing the life insurance and annuity marketplace — and why more than ever — advisers should steer clear of illustration-based selling and invest more time in educating clients and strengthening relationships. Click HERE to listen. Sheryl J. Moore […]

    How to Choose an Annuity Issuer

    {November 13th, 2019} by Kerry Pechter

    When you shop for a new car, what are your criteria? The manufacturer’s reputation? The model or style of the vehicle? Its main function or purpose in your life? The proximity of the dealer? Or maybe you already have a specific automobile in mind. Your inquiries wouldn’t stop there. You’ll want to know, for instance, […]

    NAILBA Attendance Up – And So Are The Challenges

    {November 13th, 2019} by Steve Morelli

    DALLAS – The association representing life brokerage agencies opens its annual conference’s first full day with some wind in its sails as it pushes into a challenging future. The National Association of Independent Life Brokerage Agencies had 825 registrants as of Monday, with another 50 to 75 expected to walk in, said Dan LaBert, NAILBA’s CEO. […]

    Security Benefit indexed annuity fraud lawsuit may signal trouble for other insurers

    {October 29th, 2019} by Greg Iacurci

    A lawsuit that alleges Security Benefit Life Insurance Co. engaged in a fraudulent scheme related to its indexed annuities hints at trouble for other indexed annuity shops at a time when the products are growing more popular. Click HERE to read the full story via InvestmentNews.      ………………………………………………………………………………………………………………………………………     “The way that product […]

    Class-Action Suit Targets Security Benefit’s Proprietary Index

    {October 29th, 2019} by John Hilton

    Three consumers filed a class-action lawsuit alleging that Security Benefit Life Insurance Co. defrauded consumers by implementing a “fraudulent scheme” involving a proprietary index used in two fixed indexed annuities. The plaintiffs, from Illinois, Arizona and California, where the suit was filed Oct. 16, claim the company misrepresented returns. “Security Benefit’s fraudulent scheme included the […]

    Looking For A CPA? 16 Tips For Finding The Right One

    {October 23rd, 2019} by Forbes Financial Council

    Whether they’re handling business or personal finances, a good Certified Public Accountant (CPA) can be worth their weight in gold. Most entrepreneurs don’t start their journey with an in-depth knowledge of how to manage and organize business finances, and almost all of us would welcome expert assistance with our taxes. A good CPA can put […]

    NAILBA Announces Winners of 2019 ID Twenty Awards

    {October 17th, 2019} by Pam Sheehan

      For Immediate Release                                                                Contact: Pam Sheehan                                                                                                             Phone: 303-503-6305                                                                                                             Email: PSheehan@nailba.org   NAILBA Announces Winners of 2019 ID Twenty Awards Appreciating 20 of the Industry’s innovators and trailblazers   (Fairfax, VA, October 16, 2019) NAILBA, the Voice of Independent Distribution (ID), has announced the 2019 recipients of the ID Twenty Awards. In the […]

    Ohio National Lawsuits Tossed Out; Two Others Proceed

    {October 9th, 2019} by John Hilton

    A judge for the Southern District of Ohio tossed out a pair of lawsuits by separate brokers last week, bolstering Ohio National’s 2018 decision to eliminate trail commissions on certain variable annuities. Judges in a pair of other lawsuits have ruled that broker-dealers Veritas Financial Partners and NEXT Financial Group may proceed with claims against […]

    The Inconceivable Life Lesson

    {October 1st, 2019} by Sheryl J. Moore

    He was not yet four years old when my manager in the home office sat me down and suggested that I purchase life insurance for my oldest child, my only son, AJ. It seemed strange to me to consider his death. Why would I want to purchase life insurance on my child? I would predecease him. This […]

    NY Best-Interest Rule Causing Insurers to Stop Offering Annuities in the State

    {September 11th, 2019} by Alex Padalka

    Now that New York’s tougher rules on the sales of annuities and insurance have gone into effect, insurers are preparing to stop selling the products in the state, according to news reports. Issued by the New York State Department of Financial Services, Regulation 187, as it’s known, requires financial entities selling annuities to consider their clients’ […]

    Annuity Illustrations: Liability Your Agents Don’t Need

    {September 11th, 2019} by Sheryl J. Moore

     When it comes to life insurance sales, you cannot close the deal without an illustration. Thanks to the National Association of Insurance Commissioner’s (NAIC’s) Life Insurance Illustration Model Regulation, there are very few instances where one need not collect an illustration to get a life policy issued. However, when it comes to the annuity side […]

    Educating consumers about financial services products: REPRINT #LIAM2019

    {September 10th, 2019} by Sheryl J. Moore

      Originally posted April 6th, 2011 by Sheryl J. Moore I wrote the following article so that your clients could have an important high-level overview of financial services. It was prompted by an exchange that I had with a fellow member of my credit union’s board of directors. I hope that this helps you, your business, […]

    Jackson National suspends fee-based annuity sales in New York due to best-interest rule

    {September 4th, 2019} by Greg Iacurci

    Jackson National Life Insurance Co. has suspended sales of fee-based annuities in New York in response to a new rule that imposes tougher standards on brokers and life insurance agents selling insurance products in the state. Click HERE to read the full story via InvestmentNews       ………………………………………………………………………………………………………………… “I’m looking at New York as a pilot […]

    The Society of Annuity Facts and Education (SAFE) responds to “Why Indexed Annuities May Promise More Than They Deliver”

    {September 3rd, 2019} by Sheryl J. Moore

            Dear Ms. Wang,   We appreciate you reaching-out to us last week, to ensure the accuracy of your reporting on annuities. The Society for Annuity Facts and Education (SAFE) is always interested in discussing the facts about annuities.  That said, we found some errors in your article “Why Indexed Annuities May […]

    Annuity sales topped $60B for another quarter. But is the party now over

    {August 27th, 2019} by Tobias Salinger

    Annuity sales may have finally reached their peak, after three straight quarters topping $60 billion. Click HERE to read the full story    …while the research firm Wink releases preliminary data from its survey covering 97% of sales. FIA volumes surged by 14% year-over-year and outpaced their previous record by 3%, Wink says. “It is a great […]

    SEC draws ire with indexed annuity misstep

    {August 21st, 2019} by Greg Iacurci

    The Securities and Exchange Commission caused concern among the financial advice and insurance communities this week when it published an inaccurate investor bulletin about indexed annuities. Click HERE to read the full story via InvestmentNews.     ………………………………………………………………………………………     “There’s no excuse to be disseminating misleading and inaccurate information like this,” said Sheryl Moore, president and […]

    5 Notes About the SEC’s New Indexed Annuity Bulletin

    {August 21st, 2019} by Allison Bell

    An arm of the U.S. Securities and Exchange Commission last week told investors what it thinks about you. The SEC’s Office of Investor Education and Advocacy expressed its views in a short document with the title “Investor Bulletin: Indexed Annuities.” The SEC as a whole seems to have decided that the federal government should avoid smashing ordinary, […]

    When I’m 65

    {August 14th, 2019} by wi65.org

    Annuities may seem complicated but with the right help, it can be an important part of your retirement plan. Learning how annuities work will make sure you are on top of your retirement plan. Download video >

    5 Questions with Sheryl Moore

    {August 13th, 2019} by Ramsey Smith

    In the world of guaranteed income solutions, Sheryl Moore is the ultimate insider. Sheryl is president and CEO of Moore Market Intelligence and Wink, Inc. She and her team offer highly-respected competitive intelligence and market research data pertaining to the life insurance and annuity industries. I’ve known her for years and am pleased to share […]

    Annuity sales surge as new pathways open for advisors

    {August 5th, 2019} by Tobias Salinger

    Annuity sales keep rising higher — and everyone from issuers to, potentially, the U.S. Congress is making it easier for financial advisors and their clients to buy them. Click HERE to read the full story via Financial Planning.   ………………………………………………………………………………….   FIA sales of $17.7 billion — a 25% jump — constitute the “strongest first […]

    The Secrets of the Best-Selling U.S. Indexed Annuities Revealed

    {August 5th, 2019} by Cyril Tuohy

    What does it take to get there? We spoke to Sheryl Moore, CEO of Wink and indexed annuity maven, to find out the secrets of the best sellers. Click HERE to view the full story via Life Annuity Specialist.        

    California Threatens NAIC With N.Y. Annuity Standard

    {August 4th, 2019} by John Hilton

    California Insurance Commissioner Ricardo Lara wants “as close to a fiduciary standard as possible” to govern annuity sales, his office says. The California Department of Insurance weighed in this week with comments on a controversial annuity sales model law being debated by a National Association of Insurance Commissioners’ working group. If the NAIC doesn’t come […]

    Indexed Life: Illustrating at Nearly 14%

    {August 4th, 2019} by Sheryl J. Moore

    Do I have your attention? I know it feels like I am beating a dead horse with this topic, but continued interaction with salespeople using indexed life in their sales tells me that further education on indexed life illustrations is not only needed, but additional disclosure should be required. You know, one of the most viral […]

    Regulator Calls For ‘A Total Rework’ Of Key NAIC Illustration Guide

    {July 29th, 2019} by John Hilton

    Insurance regulators hosted a vigorous debate Monday on whether juiced-up indexed universal life products are projecting realistic returns or not. New IUL products featuring “multipliers” or “bonuses” prompted the IUL Illustration Subgroup to consider changes to Actuarial Guideline 49. The National Association of Insurance Commissioners’ subgroup has held several conference calls on the topic. Click […]

    FIAs for Retirement Income (Why Not?)

    {July 9th, 2019} by Kerry Pechter

    To equip a 55-year-old with a fixed index annuity (FIA) so he can flip on an income stream in 10 years isn’t so different from advising him to buy 10-year bonds today and swap them for a life annuity in 10 years. Click HERE to read the full story via Retirement Income Journal.      […]

    Why I Bought an Annuity at Age 29

    {July 1st, 2019} by Sheryl Moore

    You read the headline, and you are already screaming at me. “Why would you buy an annuity when retirement is half-a-lifetime away!” Note that those of you who are anti-annuity are probably experiencing seizures already. Someone call some help for them. No mistake. You read that right. Yes, I purchased my first deferred annuity when […]

    Annuity Rates: No Reason to Get Psyched Out: Reprint #AnnuityAwarenessMonth

    {June 25th, 2019} by Sheryl J. Moore

    Let me guess: you nor your agents haven’t sold fixed annuities for at least a decade. Am I right? Well, give me a minute. I am going to challenge you about why we all should probably keep that arrow in our quivers. It doesn’t take a rocket scientist to figure out why fixed annuities aren’t […]

    INDEXED ANNUITY GLWBS: A DECADE OF CHANGE Reprint #AnnuityAwarenessMonth

    {June 18th, 2019} by Sheryl J. Moore

    INDEXED ANNUITY GLWBS: A DECADE OF CHANGE March 29, 2016 by Sheryl J. Moore 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 the greatest value proposition […]

    A SOURCE OF HEADACHES: “SOURCE OF FUNDS” Reprint #AnnuityAwarenessMonth

    {June 18th, 2019} by Sheryl J. Moore

    A SOURCE OF HEADACHES: “SOURCE OF FUNDS” July 16, 2013 by Sheryl J. Moore 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 of a fixed or indexed annuity is getting his or her money from, so they can use […]

    Allianz Life’s Index Annuity Winning Streak

    {June 17th, 2019} by Kerry Pechter

    There was a shaky moment in 2007 when it looked as if Allianz SE’s bet on the U.S. insurance market might backfire on the German financial services giant. American regulators had placed the company’s Minneapolis-based subsidiary, Allianz Life of North America, in their crosshairs. Click HERE to read the full story via Retirement Income Journal.

    Indexed annuity illustrations are hurting consumers: group

    {June 11th, 2019} by Greg Iacurci

    An investor advocacy group took a shot at indexed-annuity illustrations — the primary sales tool used to sell insurance products — and said that current rules around illustrations are too flimsy, allowing insurers to use them in a way that benefits them but disadvantages consumers. Click HERE to read the full story via InvestmentNews.   […]

    The Index Annuity Story, Part I

    {June 11th, 2019} by Kerry Pechter

    ‘Zero is the hero’ in fixed index annuities, which offer upside without risk of loss. In this first article of a four-part series on FIAs, presented by Retirement Income Journal and Wink, Inc., RIJ analyzes Wink’s first-quarter 2019 sales data to establish an overview of the fast-growing index annuity industry.   Click HERE to read […]

    The Annuity Model is Broken: Reprint #AnnuityAwarenessMonth

    {June 11th, 2019} by Sheryl J. Moore

    Do you remember the last time that you watched CNN, CNBC, “Shark Tank,” “The Profit,” or even the market update segment of the news? While viewing this programming, have you ever seen commercials for financial services products? I know that I have. I recall commercials for mutual funds and securities. Once in a great while, I have […]

    To 1035 or not to 1035? Reprint #AnnuityAwarenessMonth

    {June 11th, 2019} by Sheryl J. Moore

      To 1035 or not to 1035? June 6, 2013 by Sheryl J. Moore Lately, I’ve been receiving a lot of questions about whether, or not, I have concerns about 1035 exchanges in the current interest rate environment. Why? Maybe you missed the memo, but you are currently selling annuities in the worst interest rate […]

    Structured Annuities Take Hold

    {June 4th, 2019} by Sheryl Moore

    It was almost a decade ago when I heard the news that a company that cannot stand indexed annuities had launched an “indexed annuity.” No better way to confirm the information than to go straight to the horse’s mouth: I gave the product management division of the company a call. “Did you guys launch an […]

    HOW ANNUITIES HAVE CHANGED SINCE THE DOL PROPOSED THE FIDUCIARY RULE. Reprint #AnnuityAwarenessMonth

    {June 4th, 2019} by Sheryl J. Moore

    HOW ANNUITIES HAVE CHANGED SINCE THE DOL PROPOSED THE FIDUCIARY RULE. May 8, 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 […]

    Getting started with your Ph.D. in interest crediting on indexed annuities and indexed life: Reprint #AnnuityAwarenessMonth

    {June 4th, 2019} by Sheryl J. Moore

    How on earth is one supposed to get started in learning how to calculate the interest earned on indexed annuities and indexed life insurance? I speak to advisors every day who are interested in the products, yet lack the resources necessary to learn the basics of indexed life and annuities. Wouldn’t it be nice if […]

    I GIVE A DAMN ABOUT ANNUITIES – YOU SHOULD TOO! Reprint #AnnuityAwarenessMonth

    {June 4th, 2019} by Sheryl J. Moore

    I GIVE A DAMN ABOUT ANNUITIES – YOU SHOULD TOO May 19, 2015 by Sheryl J. Moore 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 career I could hold in Des Moines, Iowa […]

    AIG’s Growth Strategy May Make It Hard to Dislodge as No. 1 Annuity Seller

    {May 31st, 2019} by Cyril Tuohy

    When the dust cleared after the first quarter, AIG stood firmly atop the rankings for annuity sales.   Click HERE to view the full article via Life Annuity Specialist.     

    Sales of Universal Life Products Slumped 29% in First Quarter

    {May 30th, 2019} by Daphne Zhang

    Individual life insurance had a rocky first quarter, as insurers are preoccupied with updating mortality tables.   Click HERE to read the full story via Life Annuity Specialist. 

    Annuity Rates: No Reason to Get Psyched Out

    {May 29th, 2019} by Sheryl J. Moore

    Let me guess: you nor your agents haven’t sold fixed annuities for at least a decade. Am I right? Well, give me a minute. I am going to challenge you about why we all should probably keep that arrow in our quivers. It doesn’t take a rocket scientist to figure out why fixed annuities aren’t […]

    Allianz Bolsters Its Top-Selling 222 Fixed Indexed Annuity Line

    {May 21st, 2019} by Annuity News

    Allianz Life Insurance Company of North America added new benefit features to several of its fixed index annuities (FIAs), with “the goal of helping provide clients with more flexibility, choice, and control.” The new benefits bolster the Allianz 222 line of FIAs, which have long been top sellers. According to fourth-quarter data from Moore Market […]

    Annuity Index War May Reveal a Data Gap

    {May 21st, 2019} by Allison Bell

    One challenge for consumers thinking about buying indexed annuities may be the lack of well-known, accessible tools for comparing the performance of various investment indexes, or even knowing which of the indexes have been around for 10, 15 or 20 years. The Center for Economic Justice — an Austin, Texas-based group that’s skeptical of use of newer investment […]

    Understanding Indexed Life Illustrations

    {May 15th, 2019} by Sheryl J. Moore

    At what rate do we illustrate the cash value growth of indexed life insurance products?   This is a question that has plagued the life insurance industry since indexed universal life (IUL) was developed in January 1997. The National Association for Insurance Commissioners (NAIC) adopted the life insurance illustration model regulation two years before the […]

    Edward Jones doesn’t sell indexed annuities, bucking broker-dealer trend

    {May 8th, 2019} by Greg Iacurci

    Edward Jones has taken a contrarian stance on indexed annuities, declining to allow its brokers to sell the annuity products even though its peers are doing so and the products are increasingly popular industrywide. Click HERE to read the full story via InvestmentNews.      ……………………………………………………………………………………….   Sheryl Moore, president and CEO of consulting firm Moore […]

    Securian Is Latest to Jump Into Bank Sales Channel for Annuities

    {April 30th, 2019} by Cyril Tuohy

    In separate data published by Wink’s Sales & Market Report, banks were responsible for 26.5% of the $1.1 billion in fixed annuity volume sold at the end of the fourth quarter. That was a big jump from the 15.9% share that banks held of the $755 million in fixed annuities sold in the last quarter […]

    Are glossy annuity ads glossing over the issues?

    {April 8th, 2019} by Tobias Salinger

    A well-funded industry group is using the Rolling Stones’ upcoming tour to present annuities as the mother’s little helper needed to offset the financial drag of getting old. Backed by 24 of the largest issuers and asset managers, the new Alliance for Lifetime Income will be the sole sponsor of the Stones’ 2019 “No Filter” […]

    Why Indexed Annuity Sales Are So Strong

    {April 4th, 2019} by Kerry Pechter

    For Jim Fahey, an Ameriprise advisor in Center Valley, PA, 2018 was a hockey-stick year for fixed indexed annuity (FIA) sales. “FIAs were roughly 25% of my business in 2017. But in 2018 they represented 50% to 60%,” he said this week. “I still have variable annuities on the books but I don’t think I […]

    New annuities starting to address RMDs

    {April 2nd, 2019} by Greg Iacurci

    Allianz Life Insurance Co. of North America is launching an indexed annuity geared toward clients 70½ and older who don’t need the money that the government requires they withdraw each year from retirement accounts in the form of required minimum distributions. Click HERE to read the full story via InvestmentNews.  ……………………………………………………………………………….. “I’ve never heard of […]

    Record sales yield new leading annuity issuers

    {April 2nd, 2019} by Tobias Salinger and Graison Dangor

    The end of the annuity sales slump related to the fiduciary rule also resulted in new top issuers, as fixed and fixed-index products broke records in 2018. Click HERE to read the full story via Financial Planning.    …………………………………………………………………………………   In an unprecedented development, the top 15 writers of multi-year guaranteed annuities each took in […]

    Jackson National loses top annuity sales spot to AIG

    {March 26th, 2019} by Greg Iacurci

    Jackson National Life Insurance Co. ceded its six-year reign atop the annuity sales leader board to American International Group Inc. last year, as AIG rode a wave of strong fixed and indexed annuity sales to overtake the former No. 1. Click HERE to read the full story via InvestmentNews.     ………………………………………………………………………………………….   Sheryl Moore, owner of […]

    Fixed Annuities, Unchained!

    {March 26th, 2019} by Editorial Staff

    Fixed deferred annuities, which were once eclipsed by variable deferred annuities, confined to the insurance agent channel, and threatened by federal regulation, have emerged as the chief bread-winners for many life insurers. Click HERE to read the full story via RIJ; subscription required.    ……………………………………………………………………………………………………. “While sales were down for 2017 because of the Department […]

    Indexed universal life insurance sales continue hot streak

    {March 16th, 2019} by Greg Iacurci

    Insurers sold indexed universal life insurance policies at record levels last year as consumers sought a measure of protection from stock market volatility and more insurers offered product. Click HERE to read the full story via InvestmentNews; registration required.    …………………………………………………………………………………… Article Excerpt: Advisers and consumers turned more to indexed universal life last year amid […]

    Insurers create pain points for advisers and clients

    {February 26th, 2019} by Greg Iacurci

    The insurance industry hasn’t done itself any favors when it comes to earning the trust of financial advisers and their clients. ………………………………………………………………………………………………………………. ………………………………………………………………………………………………………………. Click HERE to read the full story via InvestmentNews; registration required.  ………………………………………………………………………………………………………………… Nobody buys that policy thinking the company may raise my cost of insurance rates,” said Sheryl Moore, president and CEO […]

    P/C Broker Gallagher Widens Retirement Practice Into IMO Space

    {February 19th, 2019} by John Hilton

    While Arthur J. Gallagher & Co. is regularly acquiring new companies and expanding its gigantic Fortune 500 footprint, one January takeover generated particular notice. On Jan. 28, Gallagher announced the acquisition of Partners Advantage Insurance Services and AMZ Financial Insurance Services. The move marked the first substantial entry by Gallagher into the independent marketing organization channel of […]

    5 Indexed Annuity Secrets

    {February 13th, 2019} by Allison Bell

    Legacy Marketing Group, an insurance marketing organization, recently brought Sheryl Moore to Phoenix to brief affiliated financial professionals on the state of the indexed market. Moore — the president of Wink Inc., an [insurance and annuity market research firm], and the head of Moore Market Intelligence, [an insurance and annuity consulting firm] — has access to broad, deep indexed annuity […]

    THE SOCIETY FOR ANNUITY FACTS AND EDUCATION (SAFE) ANNOUNCES SHERYL J. MOORE AS NEW CHIEF RESEARCH OFFICER

    {January 31st, 2019} by The Society for Annuity Facts and Education

    Des Moines, Iowa. January 31, 2019- The Society for Annuity Facts and Education (SAFE) is pleased to welcome Sheryl J. Moore as its new Chief Research Officer (CRO).  As head of research for the organization, Moore will provide fact-checking services to media outlets, ensure the nonprofit has access to timely annuity statistics, and structure all […]

    The Annuity Model is Broken

    {January 30th, 2019} by Sheryl J. Moore

    Do you remember the last time that you watched CNN, CNBC, “Shark Tank,” “The Profit,” or even the market update segment of the news? While viewing this programming, have you ever seen commercials for financial services products? I know that I have. I recall commercials for mutual funds and securities. Once in a great while, I have […]

    An Open Letter to Preston and Lynda Pitts

    {January 29th, 2019} by Sheryl J. Moore

    Preston and Lynda, As you know, I have been an expert in the indexed annuity market for 20 years now. One of the first habits I took up when I entered the field of product development was reading and analyzing specimen contracts on these products. In fact, I have read every specimen contract for every […]

    2019 Board of Directors – SAFE (Society for Annuity Facts & Education)

    {January 8th, 2019} by The Society for Annuity Facts and Education

    DES MOINES, IOWA (PRWEB) JANUARY 07, 2019 The Society for Annuity Facts and Education (SAFE) announced today that it has appointed Harry N. Stout, Managing Director of NelsonWells, LLC, and Kevin Hart, EVP of Distribution & Marketing at Oceanview Holdings to its Board of Directors for 2019. “We are pleased to welcome Harry and Kevin as […]

    It’s about to get easier to do a 1035 exchange with annuities

    {January 8th, 2019} by Greg Iacurci

    Insurance companies aren’t exactly known as pioneering when it comes to digital technology — most are entrenched in paper-dominated transactions with consumers and their financial advisers. Click HERE to read the full story via InvestmentNews; registration required.     ……………………………………………………………………………………………………………………………… “Maybe more bad actors would get missed,” Ms. Moore said.   Sheryl Moore, president and […]

    IUL Sales Next Year May Go From Hot to Cold as New Rules Loom

    {December 11th, 2018} by Cyril Tuohy

    “I believe there is going to be a ‘fire sale’ mentality because of likely regulation that will limit illustrated values on the products,” said Sheryl Moore, publisher of Wink’s Sales & Market Report. The illustrations show buyers the potential returns they can reap. Click HERE to read the full story via LifeAnnuitySpecialist. 

    2018: A come-back year for indexed annuities

    {November 30th, 2018} by Kerry Pechter

    Indexed annuities were once the problem child of the annuity world. Now, having survived the Obama Department of Labor’s attempt to corral them, they’re more like the darling of the annuity world. Third-quarter YTD sales figures tell the tale. Click HERE to read the full story via RIJ; subscription required.  ……………………………………………………………………………………………. I am not surprised […]

    Ohio National: No Strategy Change With Executive Shuffle

    {November 22nd, 2018} by John Hilton

    Ohio National’s abrupt leadership change will have no impact on the company’s decision to abandon the annuity market, a spokeswoman said. Part of that strategy included the controversial decision to cut trail commissions on select variable annuities. Click HERE to read the full story via INN; subscription required.   ************************************************************** Ohio National has gone “too far down […]

    Broker Lawsuit Against Ohio National Could Be ‘Just The Beginning’

    {November 8th, 2018} by John Hilton

    An LPL Financial broker filed a lawsuit Tuesday, asking an Ohio court for an injunction to prevent Ohio National from eliminating trail commissions on select variable annuity contracts. A lawsuit was expected, and one industry analyst said there will be more. “This is just the beginning,” said Sheryl Moore, president and CEO of Moore Market […]

    Election Day Preview: Insurance Is On The Ballot, Too

    {November 6th, 2018} by John Hilton

    Tuesday’s midterm Election Day is filled with fascinating races coast to coast – from the Florida gubernatorial contest to the Texas Senate race, with control of Congress hanging in the balance. Not as many people are paying attention to the expected turnover among state insurance commissioners. Click HERE to read the full story via INN; […]

    Choosing the right annuity

    {October 30th, 2018} by Sheryl J. Moore

    So, if someone has decided that an annuity is indeed right for them, they typically next need assistance identifying which type of annuity they are going to purchase. But which type of annuity is right for this prospect? There are so many choices… To that end, it is important to consider a fundamental principal of risk: […]

    What is happening to Variable Annuities?

    {October 30th, 2018} by Sheryl J. Moore

    Funny thing happened yesterday… I “met” a guy on the phone, who asked me if I had recently learned about indexed life insurance. Uh, no. I’m actually THE indexed life guru…have been for 19.33 years. I cut my teeth on participating whole life, then moved over to the tough stuff. He remarked, “Oh! I thought you were […]

    ‘Reckless’ Ohio National VA Purge Not A Likely Trend: Analyst

    {October 9th, 2018} by John Hilton

    Broker-dealers are dealing with angry producers while unsure themselves how to respond to Ohio National terminating trail commissions on some of its variable annuities. With Ohio National’s Sept. 28 decision to abandon those VA contracts, the company went where other insurers had not dared to go in an effort to shed costly guarantees. The termination […]

    How Ohio National’s move may lead to ‘unscrupulous’ broker behavior with annuities

    {October 9th, 2018} by Greg Iacurci

    Ohio National Financial Services Inc. recently told broker-dealers it would be terminating trailing commissions on some of its variable annuities, which has led experts to fear that the insurer’s action will cause unscrupulous behavior among brokers. Click HERE to read the full story via InvestmentNews; registration required.   ……………………………………………………………………………………………………………..   “That is what Ohio National […]

    Industry Stunned By Ohio National Decision To End Broker Contracts On VAs

    {October 4th, 2018} by John Hilton

    “Crazy,” “stunning” and “very odd” were just some of the reactions today to news from Ohio National that it will end advisor compensation on existing variable annuity contracts. Many are calling the move a dangerous precedent for an industry that relies on a web of relationships to move products through various distribution channels. “I have […]

    Why Merrill Lynch Still Excludes Commission-Based Annuities from IRA Accounts

    {September 12th, 2018} by Alex Padalka

    Following a recent reversal on its prohibition of commission-based products in individual retirement accounts, Merrill Lynch nonetheless kept commission-based annuities out of IRA options, InvestmentNews writes. While some experts say the complex product necessitates more diligent care, not everyone agrees, according to the publication. Last month the wirehouse reversed its ban on commission-based products in IRAs. The ban had […]

    Merrill Lynch takes two avenues with annuity commissions

    {September 12th, 2018} by Greg Iacurci

    When Merrill Lynch recently decided to reverse its ban on commissions in individual retirement accounts, it did so for all products with one exception: annuities. Click HERE to read the full story via InvestmentNews; registration required.      However, not everyone is convinced by Merrill’s logic. “It doesn’t hold water with me,” said Sheryl Moore, […]

    Index Annuities Poised To Steal The Spotlight From Variable Annuities

    {September 12th, 2018} by Cyril Tuohy

    Sales of fast-growing index annuities could eat into the VA market’s recovery, a Morningstar analyst said recently. Regulatory relief and the Trump administration have provided a welcome tailwind for VA sales, which finally ended their long sales slide with a slight sales uptick in the second quarter. Click HERE to read the full story via […]

    Competitors In Line To Profit From Ohio National Dropping Annuities

    {September 8th, 2018} by Cyril Tuohy

    Several competitors stand to gain from Ohio National’s sudden decision to leave the annuity and retirement plans markets, one analyst said Thursday. The Cincinnati-based company will stop accepting all annuity applications and applications for 401(k) and 403(b) retirement plans beginning Sept. 15. “While we are no longer selling new annuities or retirement plans, we will continue to […]

    2Q Indexed Life Sales Rocket To Near Record Highs

    {September 4th, 2018} by INN Exclusives

    “This was the second-highest quarter ever for indexed life insurance sales,” said Sheryl J. Moore, president and CEO of both Moore Market Intelligence and Wink, Inc. “If you thought the close of last year’s sales were impressive, you need to see the products that are being sold today— they are definitely going to drive us […]

    Ken Fisher, famous annuity hater, invested in annuity companies

    {September 4th, 2018} by Greg Iacurci

    Mr. Fisher’s company formerly held tens of millions of dollars in the stock of major companies selling indexed and variable annuities   Ken Fisher, founder and executive chairman of Fisher Investments, has been an ardent critic of annuities for years.  Click HERE to read the full story via InvestmentNews; registration required.    “Does he really […]

    Lincoln Steers Annuity Distribution Into IMO Channel With New Deal

    {August 28th, 2018} by Cyril Tuohy

    A distribution deal between Lincoln Financial and a Georgia-based independent marketing organization (IMO) to exclusively market a new index annuity is the latest sign of the insurer’s push into the channel. Click HERE to read the full story via INN; subscription required. …………………………………………………………………………………………………. As of the fourth quarter last year, 31.7 percent of all index […]

    Fixed-index annuity sales hit a record amid industry turnaround

    {August 25th, 2018} by Tobias Salinger

    Fixed-index annuities are driving a turnaround in industrywide sales of the insurance products, thanks to the demise of the fiduciary rule and rising interest rates. Click HERE to read the full story via FinancialPlanning.  ………………………………………………………………………………….. Wink, a market research firm which also reports quarterly sales metrics, tracked a 20% upsurge year-over-year in sales of all […]

    Prudential, AIG, Lincoln Results Hint at Big Quarter for Annuities

    {August 14th, 2018} by Cyril Tuohy

    Major annuity companies last week reported second-quarter sales rising from 17% to 50%,… “It looks like it is going to be a fantastic quarter for annuity sales all around,” said Sheryl J. Moore, CEO of Moore Market Intelligence and Wink Inc., publisher of Wink’s Sales & Market Report. Click HERE to read the full story via Life Annuity Specialist; subscription required.

    Making Insurance and Annuities Fun. My Industry Chat with Sheryl Moore

    {August 7th, 2018} by Mark Williams

    I was delighted to have the opportunity to sit down with Sheryl Moore, president and CEO of Moore Market Intelligence and Wink, Inc. Annuities and Life Insurance Consulting. Sheryl and her team have a superior reputation providing competitive intelligence, market research and product development, and their competitive intelligence tools have become an essential service for […]

    Iowa Safe Schools Launches AJ Betts LGBTQ Youth Memorial Fund

    {July 27th, 2018} by Iowa Safe Schools

        Iowa Safe Schools Launches AJ Betts LGBTQ Youth Memorial Fund. Des Moines (July 27th, 2018)- In memory of AJ Betts’ passing on July 27th, 2013, Iowa Safe Schools, in coordination with AJ’s mother, Sheryl J. Moore, have proudly launched the “AJ Betts LGBTQ Youth Memorial Fund.” Sheryl J. Moore and Iowa Safe Schools’ […]

    How Have Fixed Index Annuities Evolved And How Are Consumers Protected?

    {July 5th, 2018} by Casey Kuhn

    They say the earlier you decide to invest your money, the better. But, before you sign anything, you need to know exactly how your money may — or may not, perform — especially in a fixed index annuity. The market for these insurance products has boomed, but the complexity of these investments may feel misleading to the […]

    New Athene Annuity Comes With Income Feature Built-In

    {June 27th, 2018} by Cyril Tuohy

    Athene’s new Agility index annuity’s lifetime income and enhanced death benefit features come without a separate product fee. And that makes it an unusual product in today’s annuity marketplace. Lifetime income features and more generous death benefits are typically offered as optional riders that usually come at an extra cost. Click HERE to read the […]

    INDEXED ANNUITIES: BACK TO THE BASICS Reprint

    {June 19th, 2018} by Sheryl J. Moore

    INDEXED ANNUITIES: BACK TO THE BASICS July 31, 2012 by Sheryl J. Moore 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 interest based off of the performance of a stock market index. This must appeal to at […]

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