We didn’t change any minds, but hopefully presented some compelling bullets on the use of annuities.
{March 5th, 2026} by Sheryl J. Moore
It was interesting to see a case study where two fee’d planners view annuities Beyond The IMO. We didn’t change any minds, but hopefully presented some compelling bullets on the use of annuities. P.S. No surprise that Tom Hegna really dropped some knowledge! Check out the podcast, here.
I am grateful that I have all of your support. Whaddaya say we stick around another 20 years or so?
{March 5th, 2026} by Sheryl J. Moore
So, this is 50. THE BAD My hair is thinner. My skin is crepey. My fingernails have ridges. I have to take calcium. THE GOOD My family is healthy. My employees are friendly, hard-working folks. I love what I do, every day. THE UGLY Brain fog is a REAL thing! That said, I can […]
When are we going to see an insurance company guarantee their rates on an IUL product?
{March 5th, 2026} by Sheryl J. Moore
So, when are we going to see an insurance company guarantee their rates on an indexed universal life product? (Realizing there are levers to push/pull to control the risk, but I thought I’d ask!) -sjm Join in the LinkedIn conversation HERE
I am excited to dig into this one
{March 5th, 2026} by Sheryl J. Moore
Bored? Getting tired? In that mid-day slump? Don’t worry…I’ve got the cure for what ails you. The folks over at Annexus Group have forged a relationship with Americo Financial Life and Annuity. Read their news release here. I am still reading through the filing, but I am interested to see if this product will cannibalize […]
Is that a thing?
{February 25th, 2026} by Sheryl J. Moore
I have to tell you…I’ve never heard of an insurance company informing policyholders that their agent has been terminated. Is that a thing? InsuranceNewsNet reports- “A newly filed lawsuit in South Carolina alleges that Pacific Life continued accepting more than $1 million in premium payments tied to indexed universal life policies after terminating the agents […]
Beyond the Product: Annuities and the criticism around them
{February 18th, 2026} by Sheryl J. Moore
Well, this is sure to be an epic podcast… Looking forward to joining Justin Woodbury and Tom Hegna; and to setting it straight about annuities with Philip Olson. -sjm
Wouldn’t it be fantastic if people knew about annuities
{February 17th, 2026} by Sheryl J. Moore
Can I just give a shoutout to Brighthouse Financial for flooding the streaming services with commercials about annuities? Wouldn’t it be fantastic if people knew about annuities and were able to make a choice on whether it is right for them or not? -sjm Join in the LinkedIn discussion here.
Stop developing complicated product features, just for the sake of “innovating!”
{February 11th, 2026} by Sheryl J. Moore
Come ON, insurance companies! Help me out. Let’s stop developing complicated product features, just for the sake of “innovating!” I am a true believer in “blue ocean strategies,” but this is getting ridiculous… ARGH! (P.S. This message was brought to you by an established seller of indexed annuities.) -sjm Join in the LinkedIn discussion […]
Posted a meme and the comments started flying
{February 11th, 2026} by Sheryl J. Moore
This is a first for me. I will be joining a podcast with someone that has a negative perspective of annuities. I am not sure I will change any minds, but I am hopeful to provide an accurate perspective of what annuities can offer. I’ve asked that my good friend Tom Hegna join me, just […]
“Bad” annuities
{February 3rd, 2026} by Sheryl J. Moore
Interested to know… How many people think that “bad annuities” will not be approved by an insurance commissioner? Join in the discussion on LinkedIn, click here.
Twenty-nine years ago
{January 27th, 2026} by Sheryl J. Moore
Twenty-nine years ago, on January 24th, I became a Mom. It has been nearly 13 years since he left me. Happy Heavenly birthday, my son. 💙 -sjm
Just wondering how they feel about the inaccuracies in this piece.
{January 20th, 2026} by Sheryl J. Moore
Last I checked, AARP was a paid promoter annuities from New York Life Insurance Company. Is that no longer the case? ChatGPT says they are still aligned, but this article, The Most Popular Annuities, Explained, makes it appear they are not. This article’s comparisons of indexed annuities to the stock market is completely inappropriate. Annuities […]
We aren’t innovating annuities in a vacuum folks.
{January 20th, 2026} by Sheryl J. Moore
If your grandmother was going to be contract holder #1 with your new indexed annuity product, would you feel comfortable with her buying it? Examples: 1. I mean if there is a ten-year surrender charge schedule, but the vesting schedule on the bonus runs for a much longer period… 2. I am talking about if […]
The BEST way to reach me
{January 20th, 2026} by Sheryl J. Moore
I try to be as responsive as I can on LinkedIn. That said, I do run three businesses, a non-profit and a bed-and-breakfast. AND- I have nearly 30,000 followers that I regularly engage with here. I email every connection that I have on this platform. When my son took his life, I promised my family […]
Has this issue ever occurred here, in the States?
{January 20th, 2026} by Sheryl J. Moore
I have a friend who could use our help. He came across this article, “Hundreds of thousands risk being denied life insurance payouts,” with some questions. Note that this article is from the EU, however, he is wondering if the same issue with these life insurance policies has ever occurred here, in the States. Essentially, […]
Please, let’s get a conversation going about the best books for those in the life insurance and/or annuity market
{January 13th, 2026} by Sheryl J. Moore
Had a call with Jack Mohr, MBA and Corey Thomas with Magellan Financial & Insurance Services, Inc. today. (SN: David Byers would be impressed with them!) They had questions about what the best books are to read in the life insurance/annuity industry. I suggested “Paychecks and Playchecks” from my dear friend Tom Hegna. I also […]
I learn from you every day.
{January 13th, 2026} by Sheryl J. Moore
I want to thank my LinkedIn’s #TheAlmightyNetwork. I learn from you every day. I get the opportunity to see this business, through your eyes. I am blessed to be able to introduce you all to one another, when it makes sense. I post content, and you ENGAGE. I am a better human for it. You […]
I have my feelings on this, but I am eager to hear your response to that opinion!
{January 6th, 2026} by Sheryl J. Moore
Technically, Alexander Clark with MSN is not correct. Read at MSN: Is an annuity worth it? Here’s what Dave Ramsey says “Some annuities are built mainly for accumulation, others for guaranteed payouts, and some try to do both.” Actually, ALL annuities offer “guaranteed payouts.” Every single one of them. In this piece, Alexander discusses Dave […]
THINGS WILL NEVER BE THE SAME WITHOUT MY SON.
{January 6th, 2026} by Sheryl J. Moore
>>>>>>>>>>>I lost a lot when I lost my son to suicide.<<<<<<<<<<<< ************************** *I lost my concept of time.*************************** I don’t even know what things happened before, or after, AJ Betts took his own life. ********************************I lost my friends.******************************** I am not certain if that has to do with your friends not wanting to think that […]
State of Annuities with the “Annuity Rockstar”
{December 23rd, 2025} by Sheryl J. Moore
I always love getting my podcast on! Especially with my dear friend Dr. John Terry of Legacy Marketing Group… Check it out here! -sjm
He will leave quite the legacy at this FMO and B/D…
{December 23rd, 2025} by Sheryl J. Moore
My dear friend and valued colleague Mark Williams is moving-on from Brokers International. I don’t know where he is going, nor what he will be doing. What I DO know is that he transformed the sales, culture and people at BI. He changed insurance. He will leave quite the legacy at this FMO and B/D… […]
Hard to believe that I met them 20 years ago…
{December 23rd, 2025} by Sheryl J. Moore
Wink’s Moore on the Market: I still remember my first time visiting the EquiTrust Life Insurance Company home office. Hard to believe I met Ana Bumgardner and Heather Kane twenty years ago… Congratulations on the promotions, ladies! VERY well-deserved! -sjm
Instead of of letting her grief consume her, she instead channeled it into something positive.
{December 23rd, 2025} by Sheryl J. Moore
Today, I celebrate this girl. My heart. My youngest daughter. She was alone at home with AJ, when he took his life. Instead of of letting her grief consume her, she instead channeled it into something positive. She enlisted in the Iowa National Guard at age 17. By 19, she was already a sergeant. She […]
I am a HUGE believer in sharing things like this, as it can help others by sharing.
{December 9th, 2025} by Sheryl J. Moore
I have made a lot of mistakes in my business over the past 20+ years. A lot. Here’s just a few that come to mind: 1. Choosing the wrong accountants, and not finding a CPA that is worth every penny I pay them; 2. Developing imposter syndrome after the CMO of one of the biggest […]
We appreciate the recognition of Wink and our data!
{December 9th, 2025} by Sheryl J. Moore
Sharing this because it is too funny not to share. Jay Judas is a social media icon. Not to mention that he is an expert on HNW life insurance… Follow him! You won’t be regret it. There isn’t a “global holdings group” yet! We appreciate the recognition of Wink and our data! -sjm
Giving Tuesday
{December 9th, 2025} by Sheryl J. Moore
What non-profit did you support on Giving Tuesday? I totally forgot to post, but am always curious about new/different nonprofits where I could make a difference. I’ll start. My donation went to It Gets Better. My son was gay and bullied. He took his own life in 2013. It Gets Better could have helped AJ. […]
THIRD QUARTER 2025 LIFE INSURANCE SALES
{December 4th, 2025} by Sheryl J. Moore
All Life Sales for the third quarter of 2025 were $2,832 million, compared with $2,744 for the third quarter of 2024. Third quarter life sales were down nearly 4% when compared to the previous quarter and up more than 3% as compared to the same period last year. All life products include indexed universal life […]
But today, I choose thankfulness.
{December 4th, 2025} by Sheryl J. Moore
For those of you who didn’t know, I used to be homeless. I was pregnant with my first child, my AJ. ❤️🩹 I was unable to work because of my high risk pregnancy. My ex-husband didn’t have half the work ethic I have. My car was repossessed. I was couch surfing courtesy of people I […]
Third Quarter, 2025 Annuity Sales
{November 26th, 2025} by Sheryl J. Moore
All Annuity Sales Sales for the third quarter of 2025 were $117,069 million, compared with sales of $115,267 million for the third quarter of 2024. Third quarter annuity sales were up nearly 2% when compared to the previous quarter and up nearly 2% when compared to the same period last year. All annuity sales include […]
MSN- do better.
{November 26th, 2025} by Sheryl J. Moore
Hidden fees! Confusing terms! EXHORBITANT withdrawal penalties! My dad bought an annuity he didn’t understand, and now he’s stuck with high fees and no way to access his savings without massive penalties. What now? Oh, MSN– when you attest that “here’s how you can help him navigate this financial nightmare and avoid losing even more […]
I believe in the lost art of the handwritten note.
{November 26th, 2025} by Sheryl J. Moore
I believe in the lost art of the handwritten note. Don’t they make you feel happy, when you receive them? That is absolutely how I feel. I mean, who goes out of their way to communicate with others these days? There is something so intimate and special about receiving these notes, which are unmatched by […]
This is how it came to be known as the “10/10” rule.
{November 26th, 2025} by Sheryl J. Moore
Just so you know… There was a HUGE problem with high commission, long surrender charge, high bonus annuities just before/after the turn of the century. Seniors were being taken advantage of using these products, which were often indexed annuities. That got regulators’ attention. In response, just before 2005, I started to see individual states begin […]
Friends in the FMOs– how are sales?
{November 26th, 2025} by Sheryl J. Moore
How are fourth quarter annuity sales doing from my friends in the Field Marketing Organizations (FMOs)? Are sales up or down? Join in the LinkedIn conversation here.
I have heard that things there are dysfunctional, but this is bananas.
{November 26th, 2025} by Sheryl J. Moore
An article about Northwestern Mutual‘s recruiting and training of new agents… ‘Friends end up blocking you’: Northwestern Mutual sold college grads a dream job. They left in ruin and debt I have heard that things there are dysfunctional, but this is bananas. Everyone has likely heard of this: A college grade attended his NWML “interview […]
Business Innovators Radio network
{November 26th, 2025} by Sheryl J. Moore
Last week, I was interviewed by Mike Saunders, MBA on Influential Entrepreneurs. Click HERE to listen in! While I don’t need the help with credibility (something I’ve somehow acquired over the past 26 years), some of you may. Mike is a brilliant marketing mind, and can help. -sjm
No doubt the folks at American Equity will never forget you, nor will I.
{November 18th, 2025} by Sheryl J. Moore
A longtime friend, of a great many years, died recently. I just found out. Kirby Wood– you will be missed. No doubt the folks at American Equity will never forget you, nor will I. You were adored by many. Let’s share our favorite memories of Kirby! My favorite was after a speaking event (for whom […]
Applying for a job? If the CEO gives you instructions, follow them.
{November 12th, 2025} by Sheryl J. Moore
If you are in the market for a job, pay attention: 1. Send your resume in Adobe. Edited**Found out this may not be beneficial if not all applicant tracking systems can read a PDF. (Not only does Word show who ACTUALLY drafted your resume, but PDFs are the cool kid when it comes to forwarding […]
Why? Because I am hiring. Again!
{November 4th, 2025} by Sheryl J. Moore
I could really use the help of #TheAlmightyNetwork, if you all are amenable. Why? Because I am hiring. Again! I am looking for an administrative employee who has some experience in the life insurance/annuity space. I need an employee that doesn’t mind repetitive work and has attention to detail. This person must be cool to […]
And just who is policing them?
{October 28th, 2025} by Sheryl J. Moore
I know I am going to get a lot of hate mail for this, but I have to agree with Bruce Kelly‘s (of InvestmentNews‘) position on this piece. Financial advice cockroaches have plenty of life selling insurance Are “cockroach” bad brokers moving to the insurance industry when they get caught? YES, they are. And just […]
Timing truly IS everything!!
{October 28th, 2025} by Sheryl J. Moore
Aspida is a relative newcomer to the annuity business. Three years ago, they entered the market with a technology-first mindset. That paid-off BIG time, when rates on annuities more than doubled, just three quarters after their market entry. Where some insurers were taking six weeks to get eyes on an app, Aspida was issuing on […]
Refreshing
{October 22nd, 2025} by Sheryl J. Moore
Saw this post from Steve Stern at Zaghorn, and it surprised me. He says that “giving clients a smoother journey without missing the momentum that drives returns” on volatility controlled indices (featured on indexed insurance products) is the goal. NICE to see someone promoting the fact that these indices are intended to smooth-out market-linked returns, […]
It’s always disappointing with a media outlet has things like this brought to their attention, but stays the course
{October 22nd, 2025} by Sheryl J. Moore
I had a couple of exchanges with a journalist last week, regarding a piece that he wrote on SPIAs. He said: “Once you purchase an ANNUITY, the money you receive comes from a series of payments, and you can’t withdraw from the investment as you would with a bank account.” I said: Not true if […]
Errors & Ommissions (E&O) insurance companies, and your experiences with them?
{October 22nd, 2025} by Sheryl J. Moore
Can you share with me some Errors & Omissions (E&O) insurance companies, and your experiences with them? Join in the LinkedIn conversation here. I have a friend that is in need of help. Thanks! -sjm
So, what’s their secret? I’ll never tell.
{October 15th, 2025} by Sheryl J. Moore
The news about iPipeline may not get your attention on this article, as much as the news of Axonic Insurance partnering with LIBRA Insurance Partners on their new VantagePoint MYG annuities. Axonic Insurance Adds iPipeline’s AFFIRM® to Automate Annuity Sales Lifecycle, Introducing a New Proprietary Product for IMO Market in Conjunction with LIBRA And who […]
What was the first ever annuity product and insurance carrier you sold?
{October 15th, 2025} by Sheryl J. Moore
I have a great friend in my network and he wants to do some market research. I thought I’d help out. “What was the first ever annuity product and insurance carrier you sold?” Go! Jump in the conversation on LinkedIn. -sjm
My thanks to my good friend Paul Feldman at InsuranceNewsNet for this one.
{October 8th, 2025} by Sheryl J. Moore
Need someone to demystify the indexed insurance marketplace for you? I’m your huckleberry. A couple of takeaways on this piece by Paul Feldman, Demystifying the index marketplace- with Sheryl Moore In regard to hybrid indices- “There aren’t a lot of indexes that have that long a history on them. And, quite frankly, the illustrative rates […]
There will be a gaping hole in the life insurance competitive intel community when he leaves
{September 30th, 2025} by Sheryl J. Moore
A great leader in the world of competitive intelligence is retiring next week. Peter Crawford helped me to be who I am today. Not only has he been a mentor, but I’ve been friends with him for more than 20 years. Peter- there will be a gaping hole in the life insurance competitive intel community […]
And let’s keep it real- we don’t make it especially easy for new insurance agents to get up and running in this business.
{September 30th, 2025} by Sheryl J. Moore
I have always been appreciative of multi-level marketing organizations. They are doing something no one else is doing: bringing new blood into the life insurance/annuity field force. And let’s keep it real- we don’t make it especially easy for new insurance agents to get up and running in this business. Instead of bashing these insurance […]
I joined in on “Inside the Exchange”
{September 23rd, 2025} by Sheryl J. Moore
Watching this podcast today was HILARIOUS to me! See if you can spot my snafu (hint: you need to watch it to the end!). Thanks for the giggle today, Michael Kazanjian. Keep up the innovation at FIDx!! -sjm
A whopping 9.00% last more than four years
{September 23rd, 2025} by Sheryl J. Moore
How many insurance agents are still in this business, four years after they started in business? Paul LaPiana, CFP® at MassMutual says a whopping 9.00%. 9.00%!!! And there are very few companies that are bringing in new agents, and training them. The leaders in training are still out there: Northwestern Mutual, New York Life Insurance […]
How will life insurance be distributed 10 years from now?
{September 23rd, 2025} by Sheryl J. Moore
My friend Todd Allen, MSM, CLU®, ChFC®, AIF® wanted me to post the following question: “With some projecting 70% of productive agents now being over age 55, and retiring in 10 years, how will life insurance be distributed 10 years from now? Does anyone know of any carriers asking themselves this uncomfortable question and exploring […]
Meet PicklePants, the dog with better plans.
{September 23rd, 2025} by Sheryl J. Moore
PicklePants doesn’t like to come to work with me anymore. She loves Willow (right) and Woodrow (left) too much to leave them. Just a seven-pound dog pic, to cheer up your day! -sjm
The two new series of indexed annuities both offer the option to guarantee the rates for the term
{September 23rd, 2025} by Sheryl J. Moore
Pacific Life is replacing 60% of its indexed annuity portfolio with some new products. The two new series of indexed annuities both offer the option to guarantee the rates for the term (you will remember that Pac was one of the first two insurance companies to offer this option). While Pac says this feature is […]
New series that caught my eye
{September 23rd, 2025} by Sheryl J. Moore
Prosperity Life just launched a new series of indexed annuities. Things that caught my eye: – 16% premium bonus on the ten-year; – Guaranteed rates for the term (sans the S&P 500 strategy); and – Nearly ten hybrid index offerings. Loved seeing my friends Luke Christenson and Jason Zahn mentioned in the same article! If […]
He indicated that the company will “focus more heavily on distribution in coming years.”
{September 23rd, 2025} by Sheryl J. Moore
F&G‘s Chris Blunt indicates that the organization will “focus more heavily on distribution in coming years.” He adds, “while F&G will continue to retain assets on its balance sheet, it will move toward being a distributor of other firms’ balance sheets.” I am aware of three marketing groups that that FGL has bought into thus […]
She’s an entertainer; not an expert on annuities.
{September 16th, 2025} by Sheryl J. Moore
This article, ‘Over My Dead Body’ — Suze Orman Slams $2.3M Listener’s Plan To Buy An Annuity made me really MAD. How wrong can Suze Orman get it, when it comes to annuities? This woman who wrote in specifically asking, “Would it be smart to use about $700,000 from [her] brokerage account to buy an […]
What am I missing here?
{September 16th, 2025} by Sheryl J. Moore
– Street level compensation of 7.00% – Supplemental comp with a possible additional 2.00%; and – Override of 4.00%(?!?) – First-year surrender charge of 10.00% What am I missing here? (And yes, I am desensitized to the override. Sheesh!) Join in the conversation on LinkedIn -sjm
Power of Attorney
{September 16th, 2025} by Sheryl J. Moore
How well do I know this… My father didn’t think he needed a Power of Attorney until he was diagnosed with vascular dementia, and no longer had capacity. In May of 2025, I was granted a conservatorship/guardianship over my father. So far, it has cost more than $5,000.00. Thank you, Shannon Laymon-Pecoraro, CELA for discussing […]
Insurance Overlays
{September 16th, 2025} by Sheryl J. Moore
I recently showed my age, with a glaring snafu on an interview with FIDx‘s Michael Kazanjian. Check out this sneak peak, and look forward to the unveiling of the snafu, next week! 😀 -sjm
You know- the guy that used to lead American Equity.
{September 16th, 2025} by Sheryl J. Moore
It is been just over a year since Prosperity Life acquired National Western Life Insurance Company (NWL). (You will recall that Prosperity already owns SBLI USA and S.USA.) And now…JAB Insurance is acquiring Prosperity! Don’t know who JAB Insurance is? It is a company that was formed by CEO, Anant Bhalla. (You know- the guy […]
Let’s get some more of that!
{September 9th, 2025} by Sheryl J. Moore
FREAKING OUT!!! Just saw a commercial from Brighthouse Financial, promoting ANNUITIES! And it actually SAID “annuities!” Let’s get some more of that! -sjm
It will become a habit if you do it consistently for 21 days.
{September 9th, 2025} by Sheryl J. Moore
My current read is “Signs: The Secret Language of the Universe” by Laura Lynne Jackson. While I would highly recommend the book, I believe that the most important part of it is on this, the 255th page of the book. I hope you are able to read it. It is how I turn my negative […]
SECOND QUARTER 2025 LIFE INSURANCE SALES
{September 4th, 2025} by Sheryl J. Moore
All Life Sales for the second quarter of 2025 were $2,948 million, compared with $2,871 for the second quarter of 2024. Second quarter life sales were up nearly 9% when compared to the previous quarter and up nearly 3% as compared to the same period last year. All life products include indexed life, fixed universal […]
I wish I had more information about the success of life insurance…
{September 4th, 2025} by Sheryl J. Moore
I know what you are thinking…I wish I had more information about the success of life insurance over the past quarter/year. Wink, Inc. has got you covered! (Not only that, but it is FREE-NINETY-NINE!) Check out our blog Read SECOND QUARTER 2025 LIFE INSURANCE SALES for more on what turned out to be a pretty […]
The entire point was that they are “simple” to understand. What happened to that?
{September 4th, 2025} by Sheryl J. Moore
Is this the year 2002?!? Because structured annuities (a.k.a. RILAs) are “innovating” the same way indexed annuities were nearly 25 years ago… LET’S COMPLICATE THE PRODUCTS TO BE DIFFERENT! Listen: when I need a visual aid to describe how your indexing method works, it is a problem. The agent will not understand it. There is […]
Why do financial planners still avoid annuities?
{September 3rd, 2025} by Jamie Johnson
Why do financial planners still avoid annuities? (And why they shouldn’t) My thanks to The Impact Partnership and Dave Edgecomb for having me on the show! YouTube: Why Financial Planners Still Avoid Annuities (And Why They Shouldn’t) – YouTube Spotify: S1E19: Why Financial Planners Still Avoid Annuities (And Why They Shouldn’t) – Impactful […]
They didn’t, and now it’s too late.
{September 2nd, 2025} by Sheryl J. Moore
We had another death in the family. I cannot help thinking- did he have life insurance? Is the funeral funding a burden to his wife? How will his wife be able to maintain her lifestyle? I remember asking my parents these questions, and they both said they “have it taken care of.” They didn’t, and […]
Second Quarter, 2025 Annuity Sales
{August 27th, 2025} by Sheryl J. Moore
All Annuity Sales Sales for the second quarter of 2025 were $114,925 million, compared with sales of $108,045 million for the second quarter of 2024. Second quarter annuity sales were up nearly 17% when compared to the previous quarter and up more than 6% when compared to the same period last year. All annuity sales […]
A closing that shows the sheer powerful gains that are possible with these products!
{August 27th, 2025} by Sheryl J. Moore
If you want your prospects to feel more comfortable with the idea of purchasing an indexed annuity, have I got the resource for you! **********************”Why I Bought Indexed Annuities”*********************** This text outlines: – My personal experience with indexed annuities (yes- it is funny AND interesting); – Laymen’s terms explanations of the products’ features; – Compelling […]
When are you going to develop an indexed annuity?
{August 27th, 2025} by Sheryl J. Moore
Okay, Equitable…I see that this year you finally introduced a multi-year guaranteed annuity (MYGA). What I want to know is: when are you going to develop an indexed annuity? Everybody’s doin’ it! (I’m looking at you, New York Life Insurance Company.) -sjm Join in the LinkedIn discussion
Single mom on welfare to an insurance evangelist
{August 27th, 2025} by Sheryl J. Moore
Thank you so much for inviting me to speak at this event, Jeremy Nason, RFC®, David H. Kinder, RFC®, ChFC®, CLU® and Cheryl Fainelli, RFC®! I am excited to share my story, on how I went from a single mom on welfare to an insurance evangelist! -sjm
Welcome to the club, NYL!
{August 12th, 2025} by Sheryl J. Moore
Holy buckets. https://www.nylannuities.com/new-york-life-annuities/indexflex-fixed-annuity H*ll has frozen over. Literally. New York Life Insurance Company just launched an indexed annuity. Welcome to the club, NYL! (P.S. Is this the same company that said, in about 2006, that if their agents sold indexed life and indexed annuities that they would be subject to termination?) -sjm
So, does outsourcing customer service outside of the U.S. have an influence on which insurance companies you do business with?
{August 12th, 2025} by Sheryl J. Moore
One of my friends had a question that I thought would be interesting for us to discuss. “Is where an insurance company’s customer service located (domestic vs. foreign) a determinant in your annuity/life insurance product selection?” So, does outsourcing customer service outside of the U.S. have an influence on which insurance companies you do business […]
This has kind of been a “thing” since before AG49-B
{August 12th, 2025} by Sheryl J. Moore
Hybrid indices on indexed life are in regulators’ crosshairs again. Read NAIC takes another swing at stricter rules on life insurance illustrations via INN. Astoundingly, the regulators have backed off of a mandate that would require these indices to have existed for 10-20 years, to illustrate them. Now, the expectation looks like it is being […]
This has not been necessary with the other insurance companies I have been dealing with.
{August 12th, 2025} by Sheryl J. Moore
Still dealing with my father’s affairs, since he was diagnosed with dementia, and had no power of attorney at that time… Latest challenge: Trying to change the ownership on his life insurance policy with Corebridge Financial. TRYING. This is essential as Dad is confined to a nursing home, and they have informed me that they […]
It only costs FREE-ninety-nine
{August 5th, 2025} by Sheryl J. Moore
I don’t like it when people act like Guaranteed Lifetime Withdrawal Benefits (GLWB) are the only way to get a “paycheck for life,” when discussing indexed annuities. ************************HOW ABOUT ANNUITIZATION?************************ Annuitization can also offered guaranteed lifetime income, and it only costs FREE-ninety-nine. Sure, “income riders” provide flexibility and death benefits that annuitization does not. However, […]
It’s as “simple” as that!
{August 5th, 2025} by Sheryl J. Moore
“5 common annuity mistakes to avoid now, retirement experts say” While I agree that annuities are generally complex instruments, I simplify the choices by asking the following: 1. When is income needed? If within a year, consider an immediate annuity. If after one year, consider a deferred annuity. 2. How will you fund the annuity? […]
Maybe you do too
{August 4th, 2025} by Sheryl J. Moore
I needed to hear this today. Maybe you do too. Thanks to my friend Paul Feldman at InsuranceNewsNet for the inspo!
To what do I owe the pleasure of our connection?
{July 29th, 2025} by Sheryl J. Moore
I am a networker. Networking If you are in financial services, I am happy to connect with you. I look forward to learning from you. Connecting Upon connecting, I will ask you, “To what do I owe the pleasure of our connection?” This helps me to know how you heard about me. It may also […]
If the insurance agent can’t understand it, the client certainly will not.
{July 29th, 2025} by Sheryl J. Moore
Insurance companies- QUIT developing complicated annuities. SERIOUSLY. Please. If the insurance agent can’t understand it, the client certainly will not. And if I (emphasis here) am challenged to understand it, we’ve got bigger issues. -sjm
I never thought I could live one day without my little boy. Not one.
{July 29th, 2025} by Sheryl J. Moore
Today is the no good, very bad day. I never thought I could live one day without my little boy. Not one. But twelve years ago today my first born, my only son at the time, took his own life. They said he was going to go to h*ll for being gay. He could no […]
Exploring Strategic Options
{July 29th, 2025} by Sheryl J. Moore
AmeriLife is “exploring strategic options?” Read via Insurance Insider US -sjm
Perhaps MarketWatch should look for qualified professionals to go on the record about annuities.
{July 22nd, 2025} by Sheryl J. Moore
“He’s really an insurance salesman, not a credentialed adviser obligated to act as a fiduciary and put your interests first. The only products he can sell to earn his living are insurance policies.” James Hemphill, CFP®, CPWA®, ChFC®, CIMA® you could be very wrong. Read ‘Is it a bad idea?’ I’m 69 and retired. I’ve […]
They love the book! Thanks for the mention!
{July 22nd, 2025} by Sheryl J. Moore
The staff at Sagicor love THE book! Thanks so much for the mention Laura Morrison CLU, ChFC and Sagicor Life Insurance Company USA!
The man who taught me everything I know about disability insurance
{July 22nd, 2025} by Sheryl J. Moore
The man who taught me everything I know about disability insurance has passed. Read the obituary for Richard J. Cordaro. I missed it. Maybe you did too? Rick Cordaro was not only brilliant, but very funny. He had ties to both Principal Financial Group and NAIFA. He will be missed. -sjm
Allow business to be signed outside of the U.S. by US passport holder?
{July 15th, 2025} by Sheryl J. Moore
I have a friend who asked me a quick question, but I was clueless about a solution. Could you help? The ask- Are you aware of any indexed annuity carriers that will allow business to be signed outside of the U.S., assuming the client no longer resides full-time, but is a U.S. passport holder? […]
Check out the Athos
{July 15th, 2025} by Sheryl J. Moore
Remember when all indexed annuities were long-term point-to-points (what we call term end point today)? These indexing methods have shown to have a greater potential for gains than indexing methods with more liquidity (annual point-to-points, for example). Well, what if there was a product that could overcome that shortfall, with an annual point-to-point indexing method, […]
Hug the ones that you love.
{July 15th, 2025} by Sheryl J. Moore
I cannot ignore it any more. This is the month where the very bad, no good thing happened. I hate this month. It gives me so much anxiety. Every little sign from him hurts. AJ Betts- you have been gone for 13 years now. I don’t know how I have lived without you, son. I […]
These folks don’t know about the annual penalty-free withdrawal provision on annuities.
{July 1st, 2025} by Sheryl J. Moore
MSN doesn’t seem to know enough about annuities, to be writing about them. View Over 40? Fix These Annuity Misunderstandings Before Retirement via MSN. “Insurance agents may earn 1% to 10% in commissions—potentially up to $20,000 on a $200,000 annuity.” – Nope. There are no annuities that pay the agent 10% commission. “One of the […]
In recognition of June being National Annuity Awareness Month
{June 18th, 2025} by Sheryl J. Moore
In recognition of June being National Annuity Awareness Month, I wanted to post my annuity quick reference. Hope you find it helpful! -sjm Annuity Quick Reference
Cereal-ously unique product rollout
{June 18th, 2025} by Sheryl J. Moore
This is cereal-ously the most unique product rollout I have ever seen, American National! Scott Campbell– I can see you are keeping busy. 😉 (And the cereal is not bad!) -sjm
It was the happiest day of my life, and still is.
{June 12th, 2025} by Sheryl J. Moore
Twenty years ago, I married The Hottest Man Alive. It was the happiest day of my life, and still is. What has contributed to our wonderful marriage? 1. We put one another first. (I’m thirsty; better check to see if THMA is too…) 2. We respect each other. (He thinks The Home Depot has the […]
A game-changer in innovation?
{June 12th, 2025} by Sheryl J. Moore
The carrier reached-out to me on this product. Sounds like this annuity is going to be a game-changer, in terms of innovation. I am tuning in. Can’t wait to find out more!! Thanks, Steve Stern, for the heads up! -sjm
1st Quarter, 2025 Life Insurance Sales
{June 6th, 2025} by Sheryl J. Moore
All Life Sales for the first quarter of 2025 were $2,716 million, compared with $2,660 for the first quarter of 2024. First quarter life sales were down nearly 14% when compared to the previous quarter and up more than 2% as compared to the same period last year. All life sales include fixed universal life […]
So, the bonus is actually 10%
{June 6th, 2025} by Sheryl J. Moore
Question: If your product has a 20% premium bonus, an annual charge for the bonus of 1%, and a 10-year surrender charge… Doesn’t that mean that your “bonus” is actually 10%? -sjm Join in the LinkedIn conversation
A big meeting for annuity producers
{June 6th, 2025} by Sheryl J. Moore
Have you ever wished that there was a big meeting, just for annuity producers? I’m not talking about those gigs that marketing organizations put-on to recruit. I am talking about a training meeting, that teaches agents more about annuities, and helps them to feel confident in their craft. Yes, it exists. https://www.annuityproducers.com/live-event#buyticket -sjm
Sounds like a unicorn, I’m intrigued
{June 6th, 2025} by Sheryl J. Moore
Holy buckets. So rarely do I find true innovation in the indexed annuity market… This sounds like a freaking unicorn! I’ve registered. Call me intrigued, Steve Stern! -sjm
First Quarter, 2025 Annuity Sales
{May 30th, 2025} by Sheryl J. Moore
All Annuity Sales Total 1Q2025 all annuity sales were $98,254 million, compared with sales of $104,213 million for the first quarter of 2024. First quarter annuity sales were down nearly 2% when compared to the previous quarter and down nearly 6% when compared to the same period last year. All annuity sales include sales of […]
About 20% of new businesses fail within the first year.
{May 30th, 2025} by Sheryl J. Moore
Did you know? About 20% of new businesses fail within the first year. This rate climbs to roughly 50% after five years. And approximately 65% of businesses fail by their tenth year in business. I have no idea what the stats are for year 20. But here’s the deal…twenty years and one day ago, I […]
Can a marketing organization truly be “unbiased”
{May 30th, 2025} by Sheryl J. Moore
Can a marketing organization truly be “unbiased” when evaluating the potential replacement of an annuity? Does the potential for another override/bonus not impact the distributors’ bias? Just reading a press release about a new annuity replacement evaluation service, and read that the FMO is going to offer an “unbiased review.” I don’t think an FMO […]
Fast forward nearly 20 years, and they cost as much as 1.55% of the Benefit Base value.
{May 30th, 2025} by Sheryl J. Moore
Did you know that when Guaranteed Lifetime Withdrawal Benefits (GLWBs) were first introduced on indexed annuities, in March of 2006, they cost the annuitant 0.50% of the Account Value. Fast forward nearly 20 years, and they cost as much as 1.55% of the Benefit Base value. Note that this can translate to an annuitant paying […]
If you need talent, now is the time to speak-up.
{May 30th, 2025} by Sheryl J. Moore
A home office in Des Moines just cut 200 employees from their payroll. If you need talent, now is the time to speak up. Let’s help these folks. Click HERE to post job opening -sjm
I will miss his stories. He was a TRUE storyteller!
{May 30th, 2025} by Sheryl J. Moore
An insurance icon, David Beery, has passed. He was one of my closest friends. We went to lunch once a month, just to catch up. I have never met an insurance agent that services their clients as well as Dave did. He drove all over the United States, just to meet with his clients annually. […]
That still doesn’t make indexed life evil.
{May 30th, 2025} by Sheryl J. Moore
“INDEXED LIFE IS A SCAM.” It seems the latest ploy to get more followers is posting about how terrible indexed life is. Sure- making sensational accusations will engage people when it comes to a highly-polarized topic like indexed life. But, at the end of the day, you are villainizing a product, a tool. Do some […]
Make an informed choice
{May 30th, 2025} by Sheryl J. Moore
Amazon’s stock is gone…don’t be caught without my book “Why I Bought Indexed Annuities.” Click here to buy. -sjm
In memory of a distribution legend, Ron Essary.
{May 30th, 2025} by Sheryl J. Moore
What a very sad week! A distribution legend, Ron Essary, passed away today. When I first became acclimated with Ron, he was running CreativeOne (back when they were called “Creative Marketing”). Thereafter, he started Ideal Producers Group. To the best of my knowledge, Ron was the first field marketing organization executive to bring an actuary […]
Wholesalers: This opportunity gives you the chance to essentially run your own business
{May 30th, 2025} by Sheryl J. Moore
My buddy Bryan Cantrell at Simplicity Group is looking to hire wholesalers. And get this- you can work from anywhere in the U.S, and make your own hours and structure. This opportunity gives you the chance to essentially run your own business! If you are an experienced wholesaler, and interested in this opening, please contact […]
Jackson has introduced a new version of their structured annuities/RILAs.
{May 30th, 2025} by Sheryl J. Moore
For more information on the changes, check out Wink, Inc.’s AnnuitySpecs Tool. -sjm. Jackson Adds Nasdaq 100 Index Option, Offers Full Principal Protection Option in Latest Registered Index-Linked Annuity Launch.
Let me play devil’s advocate.
{May 20th, 2025} by Sheryl J. Moore
Why would one put a volatility-controlled mechanism on a product that is already volatility-controlled? Let’s talk amongst ourselves. Join in the LinkedIn discussion -sjm
THIS was avoidable.
{May 20th, 2025} by Sheryl J. Moore
EXCELLENT advice from Andrew Rose, CFP® CLU®, RICP®, below. Don’t end up like me. I have been fighting right and left for seven months because my Dad has no POA, and was diagnosed with Alzheimer’s. THIS was avoidable. -sjm
How did this guy get past compliance?
{May 20th, 2025} by Sheryl J. Moore
Wink’s Moore on the Market: Indexed annuities are safer than the bank? Bank products are backed by the full faith and credit of the U.S. government. Annuities are not. The guaranty fund is absolutely NOT backed by the government, folks! I feel very uncomfortable about a person indicating there are no solvency issues with annuities. […]
Posting again, so don’t say I didn’t warn you
{May 12th, 2025} by Sheryl J. Moore
If you are an index provider, and you have not asked me to include you in my directory, you need to. Please let me know if you have any questions. Thanks! -sjm
If people don’t know that you have it, they’ll assume you don’t.
{May 12th, 2025} by Sheryl J. Moore
We’ve had this for a couple of years, but I thought that maybe I should promote it. If people don’t know that you have it, they’ll assume you don’t. -sjm
I am insurance.
{May 8th, 2025} by Sheryl J. Moore
**********My life has been full of adversity.********** – Born to teenage parents; – Abused throughout childhood; – Lived in abject poverty; – Married a police officer who went to prison; – First child born with birth defects and health problems; – Single mom with three babies, and no child support; – Lived in abject poverty […]
A lower maximum premium for indexed annuity contracts, that are owned by Trusts or Corporations. Why?
{May 8th, 2025} by Sheryl J. Moore
I have a client that has a question, which I cannot answer. Can you help? “We have seen that some companies have a lower maximum premium for indexed annuity contracts, that are owned by Trusts or Corporations. Our observation is that most indexed annuities have a max premium of $2 million or $3 million. However, […]
Wow. I cannot read on.
{May 8th, 2025} by Sheryl J. Moore
In reply to How to Choose an Annuity: Best Annuity Companies of 2025. “Most annuities require buyers to be at least 59 ½ before permitting penalty-free withdrawals.” Not exactly. “Otherwise, you incur a 10% early withdrawal fee.” Actually, it could be as much as 20%. *wince* “…[it] grows (often tax-deferred) through interest payments or investments.” […]
Calling All VB.Net & SQL Software Engineers! We’re Hiring!
{May 1st, 2025} by Sheryl J. Moore
I’m thrilled to announce we’re on the hunt for our next software superstar! We’re seeking a talented Software Engineer with professional experience with VB.Net and SQL Server to join our amazing tech team. You’ll be designing applications and helping maintain our existing systems. Check out the full details and apply here: https://tally.so/r/3lg4oN Let’s build something […]
I put my vote into PUAs
{May 1st, 2025} by Sheryl J. Moore
Basic participating whole life insurance dividend options: – Accumulate at interest; – Cash; – Loan interest reduction; – Loan reduction; – One-year term insurance; – Paid-up additional insurance (PUAs); and – Premium reduction. There are numerous other variations; many with a combination of these seven. Which do you think is the most popular? (I put […]
If you are reading this, and thinking…”I need someone like that! email me
{April 23rd, 2025} by Sheryl J. Moore
I could use your help. Are you looking for an expert in product innovation, product marketing, strategy and/or product development? (And no- I am not looking for work! 😃) One of my oldest friends in the business was just downsized. This person is an executive with a proven track record of supporting life insurance and […]
The right individual for this opportunity lives in Philly.
{April 23rd, 2025} by Sheryl J. Moore
I have another friend, needing the help of the almighty network. This friend is looking to find an experienced or trainable woman to help support his financial advising business. He has found that a lot of women desire to work with a female advisor- imagine that! The right individual for this opportunity lives in Philly. […]
This opportunity is for a Chief Technology Officer (CTO).
{April 23rd, 2025} by Jamie Johnson
Listen up! I have a client who needs help filling a couple of C-Suite positions. This opportunity is for a Chief Technology Officer (CTO). Must have a proven track record with: – Technology strategy and leadership; – Innovation and digital transformation; – IT operations and infrastructure; – Team management and culture; as well as – […]
This is an interesting development.
{April 16th, 2025} by Sheryl J. Moore
Nationwide and Annexus Group have collaborated on the first actively managed mutual fund, within a structured annuity (a.k.a. “RILA”). FYI- Nationwide has about a 2% market share of the $62.9 billion structured annuity market, as of the close of last year. Another FYI- Annexus Group, owned by Integrity, is what I call a “super FMO.” […]
Scuttlebutt: I wonder if others will follow?
{April 16th, 2025} by Sheryl J. Moore
A little scuttlebutt for you this afternoon- I read in a publication this afternoon that Mutual of Omaha is planning to change from a mutual company, to a stock company. I wonder if others will follow? Join in the LinkedIn conversation here! -sjm
What is your favorite corporate gift?
{April 16th, 2025} by Sheryl J. Moore
I have a friend in the business, who always comes through for me. He recently helped me with some intel, and I would like to show my appreciation. In the past, I have sent Fairytale Brownies, Harry & David and Edible Arrangements. Trying to send something different this time. What is your favorite corporate gift? […]
Today is the day that I finally get Dad admitted to the nursing home.
{April 16th, 2025} by Sheryl J. Moore
The latest update on my Dad- Dad has been living at the Veteran’s Hospital in Des Moines, since November, due to his Alzheimer’s diagnosis. We’ve been waiting for a room to open-up at the Iowa Veterans’ Home. Today is the day that I finally get Dad admitted to the nursing home. He has a nice, […]
What do you mean by “managing FIAs?”
{April 8th, 2025} by Sheryl J. Moore
Someone forwarded me an article from my friend James Watkins, III JD, CFP Board Emeritus™, AWMA® this weekend. He has an interest in in-plan annuities. I am always learning from him. Now it is my turn to drop some knowledge. (Initial comments, here, and the remainder are in the comments.) First- I’d like to ask […]
29.48% of all annuity sales
{April 2nd, 2025} by Sheryl J. Moore
Did you know that 29.48% of all annuity sales originate through insurance companies that are owned by private equity? This is down 2.27% from 3Q2024. -sjm Wink’s Sales & Market Report, 4th Quarter, 2024
HUGE news
{April 2nd, 2025} by Sheryl J. Moore
HUGE news: I can finally say something about this publicly… “American National has made the strategic decision to stop writing new life insurance business and will focus on continuing to grow our Annuity, Pension Risk Transfer (PRT) and farm and ranch and targeted commercial Property & Casualty businesses. As of May 31, 2025, American National […]
Get your stuff in order, or you will be running the same marathon I am.
{April 2nd, 2025} by Sheryl J. Moore
A lot of you have been wondering how things are going with my Dad. He is a Navy veteran, who put in 20 years. He was diagnosed with Alzheimer’s in November, at the age of 69. He has been at the VA hospital since being diagnosed. We are waiting for a bed to open at […]
Weirdest press release EVER
{April 2nd, 2025} by Sheryl J. Moore
I have a clause in my license agreements for Wink, Inc., which indicate that I may use our customers’ names in public communications. That clause has been stricken from every contract we have received for the past 20 years! I’ve always wished I knew a way to get around that because A LOT of software […]
Conundrum of the day:
{April 2nd, 2025} by Sheryl J. Moore
Conundrum of the day: “I have $3 million in investments and I own three rental properties with no debt. I’m a lifetime federal employee with all the perks. I’ll be retiring in three years and I’ve previously worked with a large investment company but they’ve been awful and want me to buy annuities. Is it […]
I AM insurance
{March 25th, 2025} by Sheryl J. Moore
So what if I wear Chuck’s, with jeans and a Beastie Boys T-shirt to work? Who cares if I wear my hair in a ponytail? What’s the big deal with my piercings? Yes- I rock out to Ludacris (Nick A. I am looking at you) in my vehicle. And yes, a Microsoft Excel nerd in […]
I have NEVER seen an illustration that came to fruition in my 25 years in this business. Ever.
{March 19th, 2025} by Sheryl J. Moore
I was just reading Drew Gurley’s article in InsuranceNewsNet, “When an IUL might be a sensible alternative to an FIA” It was comparing indexed life to indexed annuities for retirement income. Now, I LOVE indexed life. Do not get me wrong. It is a great product line. There is something I cannot get past, however… […]
FOURTH QUARTER 2024 LIFE INSURANCE SALES
{March 12th, 2025} by Sheryl J. Moore
All Universal Life Sales for the fourth quarter of 2024 were $1,329 million. Fourth quarter universal life sales were up more than 17% when compared to the previous quarter. Given that this is the fourth quarter that Wink has collected data on sales of all universal life insurance products, additional comparisons will be available in […]
Some free advice- choose a short web domain.
{March 12th, 2025} by Sheryl J. Moore
Have you ever messed-up while typing in a web domain/URL/email address that is uber-long? It happens to me all of the time. For example- “https://lnkd.in/g4GunGt4.” Then, the email addresses for that domain are incredibly long as well. Like “Sheryl.Moore@MooreMarketIntelligence.com.” So many opportunities for mistakes. Some free advice- choose a short web domain. Or, if you […]
This reporter is looking for a consumer who purchased an annuity from one of the following companies:
{March 12th, 2025} by Sheryl J. Moore
One of my journalist friends is working on an educational piece about consumers of private-credit-backed annuities. This reporter is looking for a consumer who purchased an annuity from one of the following companies: – Athene, – Corebridge, – Global Atlantic, – Fidelity & Guaranty, – American National or – American Equity Life If you are […]
Inquiry for opportunity in wealth management, RIAs, Fintech, Insurtech, and Wealthtech.
{March 12th, 2025} by Sheryl J. Moore
I am calling out of a need, for #TheAlmightyNetwork! I have a friend that is looking for a new opportunity. This individual is interested in an opportunity in wealth management, RIAs, Fintech, Insurtech, and Wealthtech. Their years of experience working with financial advisors, and more recently working with fintechs, led to this person’s efforts for […]
Fourth Quarter, 2024 Annuity Sales
{March 4th, 2025} by Sheryl J. Moore
All Annuity Sales Total 4Q2024 all annuity sales were $100,224 million. Fourth quarter annuity sales were down more than 13% when compared to the previous quarter. Given that this is the fourth quarter that Wink has collected data on income annuity sales, additional comparisons will be available in future quarters. All annuity sales include sales […]
Does offshore reinsurance concern you?
{March 4th, 2025} by Sheryl J. Moore
Larry J. Rybka, JD, CFP® has something to say, when it comes to offshore reinsurance. Read via LinkedIn He is not alone. Does offshore reinsurance concern you? – sjm
Picklepants- I am so happy to have you here!
{February 25th, 2025} by Sheryl J. Moore
Many of you recall that my dog, Pepperwinkle, passed away the day after Christmas. Pepper helped me to get through my son’s suicide. He was special to me- not just because he was an Emotional Support Animal. We had a bond that was crazy awesome. I loved that dog. And so, I dealt with my […]
Annuities, do we really understand how they work today?
{February 11th, 2025} by Sheryl J. Moore
I had the pleasure of speaking on Joe Simon, LUTCF, CLU‘s on his podcast. Given that I LOVE talking shop, this was fun. -sjm
5 Key Reasons to Consider Wink
{February 11th, 2025} by Sheryl J. Moore
Darrell Croteau – Intelligent Solutions just paid me the biggest compliment. Wow! You all make me better, each day. I am so grateful for #TheAlmightyNetwork!! -sjm
Durable Power of Attorney for them to send any information to his address of record?
{February 11th, 2025} by Sheryl J. Moore
Okay, I could use your help. Remember when I told you that my father was going to a nursing home, due to Alzheimers? A statement arrived in the mail, from Transamerica. He has life insurance! WITH an accelerated benefit for long term care! After this encouraging development, I asked Transamerica to send information about exercising […]
Top objections to purchasing an annuity?
{January 28th, 2025} by Sheryl J. Moore
Top objections to purchasing an annuity… GO! -sjm Join in the LinkedIn discussion HERE.
Basics of indexed annuities
{January 28th, 2025} by Sheryl J. Moore
I’ve had a couple of newbies ask me about the basics of indexed annuities. I have three resources for you: https://www.winkintel.com/insurance-basics/annuities/ and https://www.linkedin.com/pulse/basics-indexed-annuities-sheryl-moore/ AND The document. 021422 Wink Annuity Quick Reference (Note that the LinkedIn article is dated, but still relevant. The biggest change is in the number of indices and indexing methods offered […]
Folks- KNOW YOUR AUDIENCE.
{January 28th, 2025} by Sheryl J. Moore
I was posting on a forum for insurance agents this morning. Someone commented to me, “You got your panties in a wad over nothing.” Someone else JUST commented, “Grannie, or thong?” Folks- KNOW YOUR AUDIENCE. Be professional. Don’t be offensive. I like to treat social media like “The New York Times.” If you don’t want […]
If you are a operations staff for a financial advisor or FMO, or maybe a junior advisor or advisor (who is just starting out)- this exclusive program is for you.
{January 28th, 2025} by Sheryl J. Moore
My dear friend Katelyn Graham, of The Admin Effect, has a couple of spots left in her limited-engagement training program. So if you are operations staff for a financial advisor or FMO, or maybe a junior advisor or advisor (who is just starting out)- this exclusive program is for you. This training will cover: – […]
What an honor!
{January 22nd, 2025} by Sheryl J. Moore
What an honor for me to have my mentor, Joe Jordan, promoting my book! -sjm “Her personal story provides credibility in her convictions and beliefs about where she wants to put her money. It’s not just the left-brain analytical, fact-driven approach. There are personal experiences that shaped her opinions and would certainly be […]
Brilliant!
{January 22nd, 2025} by Sheryl J. Moore
Brilliant marketing. This business can get complicated. So why wouldn’t someone educate in this manner? I love it. -sjm
Happy Birthday, AJ
{January 21st, 2025} by Sheryl J. Moore
This week my oldest child, AJ Betts, would have been turning 28. I miss him terribly. Every. Day. His being bullied and ensuing suicide have forever impacted my family. So far, I am okay. His birthday is one of the few that always gives me anxiety. We celebrate the big day with cheeseburgers and a […]
