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Moore on the Market

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  • THIRD QUARTER 2022 ANNUITY SALES

    {November 22nd, 2022} by Sheryl J. Moore

    Deferred Annuity Sales Total 3Q2022 deferred annuity sales were $72,438 million, compared with sales of $59,889 million for the third quarter of 2021. Third quarter deferred annuity sales were down less than 1% when compared to the previous quarter and up nearly 21% when compared to the same period last year. Deferred annuities include sales […]

    Time for the structured annuity?

    {November 22nd, 2022} by Sheryl J. Moore

    Variable Annuity sales are down nearly 16% from last quarter and down nearly 38% from this time last year. I wonder how many of the carriers that have yet to develop structured annuities are thinking about it now? -sjm

    Sales Percentage Change Over: Last Quarter / This Quarter, Last Year

    {November 22nd, 2022} by Sheryl J. Moore

    THIRD QUARTER ANNUITY SALES Sales Percentage Change Over: Last Quarter / This Quarter, Last Year >All Deferred Annuities: $72.43 B   -0.41% / 20.95% >>Non-Variable Deferred Annuities: $48.84 B   5.57% / 67.18% >>>Indexed Annuities: $20.97 B   6.98% / 20.97% >>>Fixed Annuities: $451.60 M   -6.82% / 25.18% >>>Multi-Year Guaranteed Annuities: $27.41 B   […]

    I, along with the NCF, appreciate your help!

    {November 22nd, 2022} by Sheryl J. Moore

    This year, the NAILBA CHARITABLE FOUNDATION (NCF) was able to provide grants to a record 51 children’s charities, resulting in contributions that totaled $180,000 this year! If you need a tax break, there has never been a better time to make a contribution to NCF! I need to find at least three organizations that are willing to […]

    This WILL come back upon us.

    {November 15th, 2022} by Sheryl J. Moore

    I’m just going to throw this out there. Indexed annuity illustrated rates are out of control. These products are intended to “beat the bank,” not consistently return upward of 17%. Mark my words- this WILL come back upon us. Join in the lively conversation over on LinkedIn, click HERE. 

    Here’s why annuity sales are on the rise

    {November 15th, 2022} by Sheryl J. Moore

    AVERAGE FIXED ANNUITY RATES 2011: 2.77% 2012: 1.98% 2013: 2.49% 2014: 2.71% 2015: 2.68% 2016: 2.01% 2017: 2.06% 2018: 2.95% 2019: 2.72% 2020: 1.81% 2021: 1.71% Today: 4.25%

    They could create their own “Defined Benefit plan.”

    {November 15th, 2022} by Sheryl J. Moore

    Five reasons Americans are retiring later in life- When I was reading the 401(k) section, I just kept thinking to myself, “We need to establish some distribution, where when a worker separates from service at retirement, an advisor comes in to speak with them about annuities.” That way, they could create their own “Defined Benefit […]

    Watch me jump out of my seat when Ramsey suggests that there is NEVER ANY reason to purchase a fixed annuity.

    {November 15th, 2022} by Sheryl J. Moore

    I’ve never really been a fan of Dave Ramsey. While I am not an avid listener of his show, the little experience that I have had with him is that he is in a position of power, and holding himself out to be an expert on things he is not. He also uses a lot […]

    Less than half of those surveyed have worked with a financial professional- WHAT AN OPPORTUNITY!

    {November 8th, 2022} by Sheryl J. Moore

    Holy buckets! Did you know that only 16% of Americans have an LTC plan in place? While “most consumers are unsure of their likelihood of ever needing LTC…it is estimated that almost 70% of individuals over the age of 65 will require a form of long-term care services at some point in their lives.” What a disconnect! […]

    No one is fact-checking this stuff, and it comes off as being credible, simply because of the source.

    {November 8th, 2022} by Sheryl J. Moore

    This is the stuff that makes us look bad, folks. Seriously. If you are going to write like this, keep it to yourself. Click HERE to read Forbes: Why Indexed Universal Life Insurance Might Be New 401(k) It is ludicrous to suggest that an IUL can typically earn 7%, much less to suggest that there […]

    I do think that indexed annuity sales this year will eclipse the 2019 record.

    {October 31st, 2022} by Sheryl J. Moore

     I really liked this article, Why Fixed Indexed Annuities Are Back by David Blanchett. However, David Blanchett, I am having a little trouble with the suggestion that the “relative appeal of FIAs is going to evolve over time as the market changes,” in the manner that you suggest. Indexed annuities achieved record sales levels of $73.2 […]

    The greatest

    {October 24th, 2022} by Sheryl J. Moore

    ANNUITIES: “The greatest retirement product that no one knew about.” – Sheryl J. Moore

    If you like stats you’ll enjoy this!

    {October 24th, 2022} by Sheryl J. Moore

    If you like stats, like I love stats, you will enjoy using the “American Council of Life Insurers – ACLI‘s Life Insurers Fact Book!” This is one of my top secret tools, that I have at my disposal for market research. So many people asking for information that I find in it, that I thought […]

    Target Premium

    {October 17th, 2022} by Sheryl J. Moore

    I think I am going to rock your world. (And not in a good way.) Did you know that target premium has nothing to do with the amount of premium needed to fund a UL? And I mean any type of UL- universal life, indexed universal life, or variable universal life contract. Target premium has […]

    I can’t wait to hear what my people (that’s YOU!) think of this!

    {October 17th, 2022} by Sheryl Moore

    What do you think?    Join in the conversation on LinkedIn HERE.   

    Let’s try again: What do you think?

    {October 17th, 2022} by Sheryl Moore

    The last time I asked “what do you think” to a Burt Snover post, I unleashed a firestorm. Let’s try again. What do YOU think?  Click HERE to join in the conversation on LinkedIn.    

    10-Year Treasury

    {October 17th, 2022} by Sheryl J. Moore

    Who knew, when I was bellyaching about the 10-Year Treasury being less than 2.00% at the beginning of this year, that it would more than double by the close of the year? Craziness.

    Top 10 Insurance brands

    {October 11th, 2022} by Sheryl J. Moore

    Top 10 Insurance Brands, by Impressions, as reported by InsuranceNewsNet: 10. CarShield 9. UnitedHealthcare 8. Northwestern Mutual 7. Farmers Insurance 6. USAA 5. State Farm 4. Allstate 3. GEICO 2. Progressive 1. Liberty Mutual

    The first ingredient that one needs to be succesful in this market!

    {October 11th, 2022} by Sheryl J. Moore

    I don’t endorse any company or product. However, I hope that direct-to-consumer (D2C) sales of annuities take off. One company that seems to be succeeding, where others are struggling is Puritan Life Insurance Company of America, with their Canvas Annuities. I’ve got their shirt on, and my eyes on them. I particularly like the back of […]

    UL can be a valuable tool

    {October 4th, 2022} by Sheryl J. Moore

    Did you know that all types of universal life are similar to term life insurance, with a savings component, all in a single permanent product? -sjm

    Valuable Products

    {September 26th, 2022} by Sheryl J. Moore

    Annuities + LTC and Life Insurance + LTC ______________________ Valuable Products Thanks to Kelly Augspurger, CLTC®, CSA®for facilitating this conversation!    

    Do and Do Not: Deferred Annuities

    {September 26th, 2022} by Sheryl J. Moore

    DEFERRED ANNUITIES DO: 1. Provide a minimum “floor” of income in retirement; 2. Protect you from outliving your income; and 3. Defer the taxes that you will pay on them, until taking income. DEFERRED ANNUITIES DO NOT: 1. Result in the insurance company keeping your money if you die the day after purchase; 2. Prevent […]

    Food for Thought

    {September 26th, 2022} by Sheryl J. Moore

    The one thing that all annuities have in common? A sentence on the front page of the contract. “The guarantees in this contract are only as good as the claims paying ability of the insurer.” -sjm 

    I walked at the American Foundation for Suicide Prevention’s Out of the Darkness Walk.

    {September 18th, 2022} by Sheryl J. Moore

    I walked at the American Foundation for Suicide Prevention’s Out of the Darkness Walk. My sincerest thanks to all of you who donated, in honor of my son. THANK YOU! I walked for my son. I walked for my firstborn. I walked for an extraordinary human being. I walked for AJ Betts. Nine years since […]

    SECOND QUARTER 2022 LIFE INSURANCE SALES

    {September 7th, 2022} by Sheryl J. Moore

    Non-Variable UL Sales for the second quarter of 2022 were $790 million, compared with sales of $756 million for the second quarter of 2021. Second quarter non-variable life sales were up more than 7% when compared to the previous quarter and up more than 4% as compared to the same period last year. Non-variable universal […]

    Wholesaling Diversity

    {September 7th, 2022} by Sheryl Moore

    My friend Orian Williams, JD, LL.M, CFP® was recently recognized by the Association for Wholesaling Diversity to be a “Rising Star.” After listening to him on the “For Internal Use Only”podcast, I can attest that he most definitely IS a RISING STAR! He is an attorney, a wholesaler, a father of triplet girls, a foodie, a traveler, and more. […]

    SECOND QUARTER 2022 ANNUITY SALES

    {August 31st, 2022} by Sheryl J. Moore

    Deferred Annuity Sales Total 2Q2022 deferred annuity sales were $72,804 million, compared with sales of $64,492 million for the second quarter of 2021. Second quarter deferred annuity sales were up nearly 22% when compared to the previous quarter and up nearly 13% when compared to the same period last year. Deferred annuities include sales of […]

    Banks have spoken

    {August 31st, 2022} by Sheryl J. Moore

    Let this sink in for a minute. Bank certificates of deposit are averaging a credited rate of less than 0.75%. Fixed annuities, however, are averaging credited rates of 3.43% today. Banks have spoken. FOR THE FIRST TIME, BANKS SOLD MORE ANNUITIES THAN ANY OTHER DISTRIBUTION CHANNEL IN THE BUSINESS. More than Full Service National Broker/Dealers. […]

    Buy-up indexing strategies

    {August 30th, 2022} by Sheryl J. Moore

    Buy-up indexing strategies- These are strategies where the annuitant is paying a fee for relatively-higher caps/pars. Studies done by Wink, Inc. show that 20% – 30% of a product’s premium allocation typically goes to an available buy-up indexing strategy. -sjm       

    Imminent needs to change the current state of IUL illustrations.

    {August 23rd, 2022} by Sheryl J. Moore

    The last call that regulators had on indexed life illustrations seemed to have a different feel. Finally, it seemed that the regulators are of the belief that there is a problem, and that it needs fixed sooner than later. The other interesting development is that opening the illustration model regulation now appears to be on […]

    Wouldn’t be the first time that the purchaser misunderstood what they bought.

    {August 23rd, 2022} by Sheryl J. Moore

    What do you want to bet that this is a Variable Annuity with a living benefit that has a 7% rollup? Wouldn’t be the first time that the purchaser misunderstood what they bought.  MarketWatch, you need experts that know more about annuities.  Stop with the lead generation, it gets rid of your credibility. -sjm

    Out of the Darkness

    {August 23rd, 2022} by Sheryl J. Moore

    Nine years ago, my son, AJ Betts killed himself. Each year since he has passed, I have walked in the Out of the Darkness Walks, which are put on by the American Foundation for Suicide Prevention. If you live in the Des Moines metro area, I invite you to walk with me on “Team AJ Betts.” […]

    Lots going on with indexed UL illustrations…

    {August 16th, 2022} by Sheryl J. Moore

    I don’t believe that if the historical performance lookback on IUL is abolished that sales will decline by 75%. But they WILL decline. Oh, they WILL decline. Click HERE to read the latest installment of Bobby Samuelson’s “The Life Product Review” here.   -sjm

    YOU CAN STILL LOSE MONEY WITH THESE PRODUCTS?!

    {August 9th, 2022} by Sheryl J. Moore

    Does anyone else take issue with people marketing structured annuities/RILAs as “offering downside protection?” YOU CAN STILL LOSE MONEY WITH THESE PRODUCTS?! You ARE offered some level of downside protection with structured annuities, but it isn’t like you cannot lose any money. Losses are normally tempered with a buffer or floor, which is typically less […]

    OIDs: Sales don’t seem to be following the trend

    {August 9th, 2022} by Sheryl J. Moore

    I am reading more and more about Outsourced Insurance Desks (OIDs) over the past couple of months. In fact, Jeff Waddington, CLU, CLTC from Protective Life had an interview about them in today’s InsuranceNewsNet. “An OID, at its core, allows an advisor to access products and expertise in the risk management or insurance world when appropriate for their clients.” So, […]

    Rhetorical Question

    {August 9th, 2022} by Sheryl J. Moore

    When it comes to pricing annuities, there are only 100 pennies in a dollar. And… The insurance company has to make a profit. The annuitant has to receive a fair credited rate/cap/par/spread. The distribution expenses have to be paid for a commission to the agent, and an override to the FMO. But what if it […]

    It’s my hope to leave a lasting impression on regulators

    {August 2nd, 2022} by Sheryl J. Moore

    I have been attempting to get Indexed Life illustrated rates regulated and under control for more than 17 years. The gamesmanship that is occurring, to boost illustrated values with a combination of hybrid indices and bonuses, has gotten ridiculous. It is my hope that teaming up with my competitor, Bobby Samuelson, on a letter to the […]

    AGA49a Joint Letter Samuelson Moore

    {August 2nd, 2022} by Sheryl J. Moore

    Please click 072522 AG49A Joint Letter Samuelson Moore to read the joint comment on the four potential options for handling the identified issue with Indexed Universal Life illustrations.

    Life Insurance In Retirement: The Retirement Power Hour

    {July 26th, 2022} by Sheryl J. Moore

    I had a personal experience that changed my life and motivated me to work in the life insurance industry.  Click HERE to check it out! -sjm

    It’s chock-full of good articles!

    {July 19th, 2022} by Sheryl J. Moore

    Just getting caught-up on my reading, and Steve Howard‘s Broker World is chock-full of good articles this month. Luke Cosme made a great point that all viable solutions need to be considered, when it comes to life insurance products. Don Levin reminded me of the power of the hand-written note in his contribution. Charlie Gipple, CFP®, CLU®, ChFC® had a piece […]

    Recorded Webinar: The Evolution of the Index

    {July 18th, 2022} by Sheryl J. Moore

    Hey there. Were you busy on Wednesday? Have a migraine? Have to call-in sick because of your kid? Fear not! My webinar was recorded. See here!  

    How many indexed crediting methods are enough?

    {June 29th, 2022} by Sheryl J. Moore

    Click to join the conversation!

    Caught some good content in NAILBA’s Perspectives magazine.

    {June 22nd, 2022} by Sheryl J. Moore

    I am catching-up on my hard copy reading today. I really appreciated Maureen James‘ rundown on compliance. This is a MUST read. (I didn’t know that RIAs could use customer testimonials when advertising now!) Plus, it was interesting reading Charles Arnold‘s take on why VUL should be put back on the table. Great commentary from Stevan Mark Cohen, […]

    Wrong. Wrong. WRONG!

    {June 13th, 2022} by Sheryl J. Moore

    Consumers “generally can’t touch their money for many years without penalty, with some exceptions”?! How about that they can access [10%] of their annuity funds every year, without penalty? And as for “annuities geared more for retirees seeking pension-like income haven’t garnered as much enthusiasm from consumers,” I’d say that isn’t precisely right. While SPIAs/DIAs […]

    LOL! Bait-and-switch

    {June 13th, 2022} by Sheryl J. Moore

    Laughing out loud at this one: “To entice buyers, insurance companies that provide fixed index annuities may guarantee a minimum income rate and offer enhanced or boosted rates for the first year of the contract or beyond.” Is that a nice way of saying that the insurance company may play bait-and-switch with your inforce renewal […]

    FIRST QUARTER 2022 LIFE INSURANCE SALES

    {June 7th, 2022} by Sheryl J. Moore

    Non-Variable UL Sales for the first quarter of 2022 were $737 million, compared with sales of $653 million for the first quarter of 2021. First quarter non-variable life sales were down nearly 14% when compared to the previous quarter and up nearly 13% as compared to the same period last year. Non-variable universal life (UL) […]

    Happy Annuity Awareness Month

    {June 7th, 2022} by Sheryl J. Moore

    Years ago, I was able to get a proclamation signed by my then-governor Terry Branstad, to declare June as Annuity Awareness Month. In celebration of that, I wanted to post some content that I created, to help consumers, journalists, regulators, etc. to understand the basics of annuities. Click HERE for Annuities 101 -sjm 

    FIRST QUARTER 2022 ANNUITY SALES

    {May 31st, 2022} by Sheryl J. Moore

    Deferred Annuity Sales Total 1Q2022 deferred annuity sales were $59,716 million, compared with sales of $58,395 million for the first quarter of 2021. First quarter deferred annuity sales were down nearly 2% when compared to the previous quarter and up more than 2% when compared to the same period last year. Deferred annuities include sales […]

    How much has Prof. Joe Belth enriched the life insurance industry?

    {May 24th, 2022} by Sheryl J. Moore

    My friend, mentor, and respected colleague Joseph Belth is officially retiring. I’ve learned so much from him over the past 23 years. Have you? Did you read his “Insurance Forum” publication perhaps? I’ll never forget that peach-colored newsletter! If you’ve learned from Professor Joe Belth, share your experience; click HERE to join the conversation. Let’s […]

    What do you think are the latest innovations in participating whole life insurance products?

    {May 24th, 2022} by Sheryl Moore

     I see so much innovation in annuity products, by comparison. This is frustrating! Please JOIN THE CONVERSATION HERE. 

    ‘The Baby Boomer Dilemma’ Documentary Exposes America’s Failed Retirement Experiment

    {May 24th, 2022} by Sheryl J. Moore

    I am here to say that the insurance industry “offer[s] lower-cost, more transparent and straight-forward” annuities TODAY. Edward Siedle did a great job on this piece, Click HERE to read;  I was totally feeling him until we got to the end. I think I just need to bring him up to speed on the strides […]

    Geek out on this intel!

    {May 16th, 2022} by Sheryl J. Moore

    I seriously geek out on this intel. Click here for the top ten Indy B/Ds for annuity sales: 

    As if being “independent” makes anyone truly INDEPENDENT.

    {May 16th, 2022} by Sheryl Moore

    As if being “independent” makes anyone truly INDEPENDENT. Even marketing organizations have to commit a certain level of production to their top product manufacturers to get top contracts. So, are they truly INDEPENDENT? And would they even suggest insurance products, were they not affiliated with insurance company B/Ds? I am interested in what you think. […]

    We lost a great one, friends.

    {April 26th, 2022} by Sheryl J. Moore

    Sitting here, mourning the loss of my friend Van Lumbard from TruChoice Financial. My thanks to Brian Peterson for the heads up. We lost a great one, friends. My favorite memory of Van was the very first time I met him. When I introduced myself (at the age of 25) as the nation’s top expert on indexed annuities, he gave […]

    NAILBA’s Perspectives: Things for clients to consider

    {April 19th, 2022} by Sheryl J. Moore

    I loved this issue of NAILBA’s “Perspectives” magazine, just because it showed all of the support for the NAILBA CHARITABLE FOUNDATION, and all of the great organizations that we raised money for! However, there is more good stuff in this issue, thanks to Pam Sheehan! I LOVED Tiffany Markarian‘s advice on digital marketing mistakes. Cynthia A. Tidwell‘s message on […]

    Remember when there were only 12?

    {April 19th, 2022} by Sheryl J. Moore

    As a part of my job, I try to take complex indexing methods on indexed insurance products, and describe them in easy-to-understand terms. (Yes, I read sample contracts and try to communicate them in plain language!) I just want to say that I cannot stand low interest rate environments because they result in more complex […]

    Hiring hybrid LTC/life insurance wholesalers?

    {April 18th, 2022} by Sheryl J. Moore

    Just got wind that an insurance company getting out of the hybrid LTC/life insurance market; the wholesalers received their pink slips.   If you are hiring wholesalers and work at an insurance company home office, please comment HERE to get the word out. Thanks!

    D2C term platform- Let me hear from you

    {April 11th, 2022} by Sheryl J. Moore

    Interesting bit of intel that I received today about a D2C term platform. Apparently, if you apply for a policy with a specific one of these services, they won’t deny you a policy, but will instead “counteroffer” with a lesser face amount/higher premium policy. This helps you so you don’t have to deal with that […]

    Term Conversion Smoking Status

    {April 11th, 2022} by Sheryl J. Moore

    I had someone tell me yesterday that they did a term conversion and the new policy was issued with a smoking status, which was the standard operating procedure on term conversions for the life insurance company. This really turned the agent off because the insured is not a smoker. Is it just me, or is […]

    LINE OF BUSINESS SALES % CHNG QTR / % CHNG YR

    {March 29th, 2022} by Sheryl J. Moore

    Wink released 4Q2021 deferred annuity sales, peeps! LINE OF BUSINESS SALES % CHNG QTR / % CHNG YR All deferred annuities $60.92 B 1.73% / 8.19%   Non-variable deferred $28.64 B -1.96% / -0.46% Indexed annuities $16.94 B -2.31% / 12.30% Fixed annuities $486.90 M 34.97% / 2.69% MYG annuities $11.21 B -2.58% / -15.14% […]

    VUL: Have you heard of the following features in a no-load product before?

    {March 29th, 2022} by Sheryl Moore

    I just sat on a call the other day, learning about a new fee-based life insurance product that Nationwide has rolled out. Given that I am a relatively new learner when it comes to the fee-based market, I wanted to ask all of you if you have heard of the following features in a no-load […]

    Dear Director Seitz and President Cameron

    {March 29th, 2022} by Sheryl Moore

    I am very intrigued that someone must have tipped-off Ohio democratic Senator, Sherrod Brown on what Kerry Pechter with Retirement Income Journal calls “The Bermuda Triangle.” He wrote a letter to the US Treasury’s Federal Insurance Office and the National Association of Insurance Commissioners (NAIC), voicing his concerns, and asking some thoughtful questions. – sjm Dear Director Seitz and President […]

    FOURTH QUARTER 2021 ANNUITY SALES

    {March 22nd, 2022} by Sheryl J. Moore

      Deferred Annuity Sales Total 4Q2021 deferred annuity sales are $60,924 million, compared with sales of $56,314 million for the fourth quarter of 2020. Fourth quarter deferred annuity sales were up nearly 2% when compared to the previous quarter and up more than 8% when compared to the same period last year. Deferred annuities include […]

    Are you a sports fan?

    {March 14th, 2022} by Sheryl J. Moore

    Are you a sports fan? Do you have a giving heart? NAILBA and the NAILBA CHARITABLE FOUNDATION are hosting a March Madness auction. Check it out HERE!  Your money will go to help deserving nonprofit organizations. Help raise some money for a good cause, and go it to BID! -sjm 

    FOR THOSE OF YOU CONCERNED ABOUT THE DOL’S FIDUCIARY RULE #QuickInterview

    {March 14th, 2022} by Sheryl J. Moore

    FOR THOSE OF YOU CONCERNED ABOUT THE DOL’S FIDUCIARY RULE. I have been interviewing my friend Kevin Mechtley from Sammons Financial Group Companies, who is an expert on this topic.  When I asked him to sum up the rule, here is what he had to say: Sure, nothing easier than summing up thousands of pages of ERISA rulemaking […]

    FOURTH QUARTER 2021 LIFE INSURANCE SALES

    {March 8th, 2022} by Sheryl J. Moore

    Non-Variable UL Sales for the fourth quarter of 2021 were $861 million, compared with sales of $740 million for the fourth quarter of 2020. Fourth quarter non-variable life sales were up 20% when compared to the previous quarter and up more than 16% as compared to the same period last year. Non-variable universal life (UL) […]

    I am no tax expert.

    {March 1st, 2022} by Sheryl J. Moore

    I am no tax expert. However, I know that I have people in #TheAlmightyNetwork that are. So, a friend posed this question: Can you fund an annuity with a ROTH account and turn on a Guaranteed Lifetime Withdrawal Benefit rider, giving the client tax-free income for life? If so, which carriers allow it? I’m thinking “YES,” just […]

    Reminiscing 1995

    {February 22nd, 2022} by Sheryl J. Moore

    Remember those days? Join in the conversation HERE!  

    Sounds wrong?

    {February 22nd, 2022} by Sheryl J. Moore

    Insurance company sends a living benefit buyout letter to their annuity contract holders. Agent doesn’t get copied on the letter. Contract holders take advantage of the buyout, and agent gets chargebacks on their commissions because it has been less than a year since placing the business. Your thoughts? Join in the conversation HERE

    People still appreciate protection

    {February 8th, 2022} by Sheryl J. Moore

    Remember when the life insurance industry was about PROTECTION rather than ACCUMULATION? So much talk about “higher potential for gains” and “overfunding.” People still appreciate protection, folks! Let’s not forget about that! Just because the insurance companies want you to focus on accumulation doesn’t mean you have to be a sheep. Do your own thing. […]

    I welcome the opportunity to discuss these products with anyone who is interested.

    {February 1st, 2022} by Sheryl J. Moore

    Wow. To be named among giants is an extreme honor, David Macchia. Thank you so much for your admiration and kind words! Annuities, like any other product, are neither good nor bad. They are simply a tool. And for people that are looking to transfer the risk of living too long, annuities make sense. There […]

    So, tell me…what makes YOUR index different?

    {January 18th, 2022} by Sheryl J. Moore

    Today, there are 138 unique indices, upon which your indexed interest is benchmarked, on indexed annuities. 138!!! (There were 12 when I started my business 17 years ago.) So, tell me…what makes YOUR index different? Join in the conversation HERE. NOTE: Cannot source illustrations, caps, spreads, or participation rates in your response. -sjm

    This is NOT how indexed annuities should be positioned, folks.

    {January 11th, 2022} by Sheryl J. Moore

    “Unnamed software” was showing an indexed annuity offering historical returns that average 12.89%.  There have been some FMOs blasting emails out and touting those returns for recruiting purposes!  This is NOT how indexed annuities should be positioned, folks. If you rely on this information for marketing indexed annuities, you are being disingenuous. -sjm   Click […]

    Wither on a vine?

    {December 28th, 2021} by Sheryl J. Moore

    Did you know that 435,111 indexed annuities were issued in 2020 alone? And did you know that total indexed annuity premiums received from 1995 through 2020 are $754,169,559,459? Indexed annuities now account for nearly a third of all deferred annuity sales. Not bad for a product that my former partner said would “wither on the […]

    #PSA Third-Party Neutral

    {December 21st, 2021} by Sheryl J. Moore

    I do not endorse any company or product.  -sjm

    THIRD QUARTER 2021 LIFE INSURANCE SALES

    {December 10th, 2021} by Sheryl J. Moore

    Non-Variable UL Sales for the third quarter of 2021 were $724 million, compared with sales of $624 million for the third quarter of 2020. Third quarter non-variable life sales were down more than 5% when compared to the previous quarter and up nearly 16% as compared to the same period last year. Non-variable universal life […]

    Life insurance sales fell backwards

    {December 10th, 2021} by Sheryl J. Moore

    Life insurance sales fell backwards, as all lines of life insurance products experienced sales declines over the prior quarter, and some over the prior year.  3Q2021 LIFE SALES Sales / % Chng Last Qtr / % Chng Last Yr -Non-Variable Universal Life: $724.40 M / -5.32%% / 15.91% –Indexed Life: $609.38 M / -2.16% / […]

    THIRD QUARTER 2021 ANNUITY SALES

    {November 30th, 2021} by Sheryl J. Moore

    Deferred Annuity Sales Total 3Q2021 deferred annuity sales are $59,889 million, compared with sales of $54,217 million for the third quarter of 2020. Third quarter deferred annuity sales were down more than 7% when compared to the previous quarter and up more than 10% when compared to the same period last year. Deferred annuities include […]

    Leveraging Social Media in Regulated Spaces

    {November 30th, 2021} by Sheryl J. Moore

    I did a podcast with the folks at ePresence – social media solved, after attending a breakout with them at NAFA (National Association for Fixed Annuities). They are professionals on social media. So, I thought I would sit-in, and learn something. As it turns out, they actually taught me ALOT! Here’s a tidbit on what they thought […]

    Want the deets? Hit up WinkIntel’s AnnuitySpecs tool

    {November 30th, 2021} by Sheryl J. Moore

    I am seeing more indexed annuities offering structured-annuity-like indexing in them lately. For example, one of the new indexed annuities that launched this month has a story that it gives buyers the opportunity to take some negatives into account in an interim indexing period, in exchange for the opportunity to earn even greater interest than […]

    Thank goodness SOMEONE listens to me

    {November 23rd, 2021} by Sheryl J. Moore

    Seems everybody and their dog wants to confuse folks with the terminology “Registered Indexed Linked Annuity.” Not me. Uh uh. No way. There IS such a thing as a registered indexed annuity. Let’s not confuse this with that. I call them “Structured Annuities,” but at least the National Association of Insurance Commissioners (NAIC) has made a […]

    If we can get dozens of more folks to do events like this…imagine the possibilities!

    {November 23rd, 2021} by Sheryl J. Moore

    It sounds like we are really going to have the opportunity to get the concept of annuities in front of so many more people! The first agent-sponsored event for the movie that I was in, “The Baby Boomer Dilemma” by Doug Orchard, was a smash success. If we can get dozens of more folks to do […]

    Brokerage in Motion

    {November 9th, 2021} by Sheryl J. Moore

    This month’s “Brokerage in Motion” features a super sweet annuity nerd at 12-minute mark. -sjm

    Have you heard?

    {November 2nd, 2021} by Sheryl J. Moore

    The NAILBA CHARITABLE FOUNDATION‘s Live Auction & Reception will take place on Tuesday, Nov. 16 at the NAILBA 40 Annual Meeting in Orlando!  The inimitable Steven Katz, CLU, ChFC will be our auctioneer, and up for bid will be incredible trips, tickets, and other “bucket list” experiences contributed by companies like AIG, Breeze, Brokers International, OneAmerica, Premier Brokerage Services, Protective Life, Prudential Financial, and more! […]

    “The Baby Boomer Dilemma” from Doug Orchard, featuring Sheryl J. Moore, Tom Hegna, Moshe Arye Milevsky, and more is available.

    {October 26th, 2021} by Sheryl J. Moore

    The Power of Zero documentary by Doug Orchard Films.

    The Baby Boomer Dilemma – Official Trailer

    {October 19th, 2021} by Sheryl J. Moore

    We did this thing, along with my friends Tom Hegna and Moshe Arye Milevsky. It is a documentary about retirement and annuities.     The Baby Boomer Dilemma – Official Trailer from Doug Orchard on Vimeo.

    POP QUIZ

    {October 13th, 2021} by Sheryl J. Moore

    Which minimum guaranteed surrender value on an indexed annuity is greater? 87.5% at 1.00% OR 100% at 1.00%, less a 12.50% surrender charge?   Join the conversation HERE! 

    SECOND QUARTER 2021 LIFE INSURANCE SALES

    {October 5th, 2021} by Sheryl J. Moore

    Non-Variable UL Sales for the second quarter of 2021 were $779 million, compared with sales of $659 million for the second quarter of 2020. Second quarter non-variable life sales were up nearly 20% when compared to the previous quarter and up more than 18% as compared to the same period last year.   Total 2Q21 […]

    Annuity sales on the rebound, baby!

    {October 5th, 2021} by Sheryl J. Moore

    Deferred annuity sales are bouncing back, as nearly all lines of annuities experienced sales increases over the prior quarter, and the prior year.  2Q2021 ANNUITY SALES Sales / % Chng Last Qtr / % Chng Last Yr -All Deferred Annuities: $64.49 B / 10.60% /40.47% –Non-Variable Deferred Annuities: $31.57 B / 11.12% / 22.04% —Indexed […]

    Ethical Dilemma

    {October 5th, 2021} by Sheryl Moore

    Let’s say your buddy works in the office next to you. And, let’s assume that he told you he was doing business with ABC Insurance Company, and they decided to quit paying his trails on his annuity business that he has placed with them over the past 20 years. Now, ABC Insurance Company wants you […]

    SECOND QUARTER 2021 ANNUITY SALES

    {September 29th, 2021} by Sheryl J. Moore

    Deferred Annuity Sales Total 2Q2021 deferred annuity sales were $64,492,263,828. Second quarter deferred annuity sales were up nearly 11% when compared to the previous quarter and up more than 40% when compared to the same period last year. Deferred annuities include sales of fixed, indexed,  multi-year guaranteed, structured, and variable deferred annuities.       […]

    Empowering Lead-HER-ship in Insurance

    {September 27th, 2021} by Sheryl J. Moore

    Remind me to tell you about the insurance company CMO that devastated my business for over a decade, by pushing me into Imposter Syndrome! -sjm   Register here 

    Setting it Straight

    {September 27th, 2021} by Sheryl J. Moore

    As a third-party neutral product expert, I have a few concerns about this article. 1. Insurance has a cost and annuities are not intended to be an investment, akin to stocks, bonds, etc. 2. What is the price that you would pay for a guaranteed paycheck for life? Certainly, the insurance company shouldn’t be expected […]

    Hi. Newsflash.

    {September 21st, 2021} by Sheryl J. Moore

    If you are using software that looks at historical performance of indexed annuities, ask if they are <emphasis here> assuming the options costs that were in effect at the time of the historical period. <emphasis here> I do not know of a SINGLE one that does. If they are not using historical option costs, while […]

    Thanks for peeing in our own pool.

    {September 21st, 2021} by Sheryl J. Moore

    Illustration software showing indexed annuities with indexing methods yielding 14%+. REALLY?! A fixed insurance product with a 0% floor, in a prohibitive options pricing environment, with one of the most historically conservative insurance companies in the industry. SMH. Does the insurance company know? *angry* This is why insurance illustrations that are not compliant with the National […]

    Are we fools for a catchy acronym?

    {August 31st, 2021} by Sheryl J. Moore

    Remember when the U.S. Securities and Exchange Commission issued that Investor Bulletin on structured annuities, but called them “indexed annuities?” IT IS FOR THIS REASON THAT I HAVE ALWAYS SUGGESTED WE NOT REFER TO STRUCTURED ANNUITIES AS ANYTHING REMOTELY RELATED TO INDEXED ANNUITIES. PLEASE do not call them “Registered Index-Linked Annuities” or “RILAs,” folks. The regulators don’t […]

    TRUTH OR FICTION:

    {August 24th, 2021} by Sheryl J. Moore

    When the 10-year Treasury declines, the complexity of annuities increases. -sjm

    Holy cow.

    {August 17th, 2021} by Sheryl J. Moore

    Did you know that more than 40.84% of all indexed annuity sales are through insurance companies with private equity backing? That number has increased from a low of 6.14% in 1Q2011, and a high of 43.85% in 4Q2020.    -sjm

    Cheese and rice.

    {August 17th, 2021} by Sheryl J. Moore

    I have been reading about a lot of folks using annuities in really bad ways as of late… – Raiding clients’ annuities for their own personal use; – Issuing fake annuities, robbing Peter to Pay Paul, and plundering the money; – Yadda, yadda, yadda. Do me a favor folks- go use some other type of […]

    Personal Pension

    {August 10th, 2021} by Sheryl J. Moore

    An annuity is nothing more than a personal pension. There. I said it. -sjm

    Indexed annuity purchasers are not investors

    {July 20th, 2021} by Sheryl J. Moore

    Gentle reminder- PEOPLE WHO PURCHASE INDEXED ANNUITIES ARE NOT CALLED “INVESTORS.” This is life insurance, folks; not an investment.   -sjm

    FIRST QUARTER 2021 LIFE INSURANCE SALES

    {July 13th, 2021} by Sheryl J. Moore

    Non-Variable UL Sales for the first quarter of 2021 were $649 million, compared with sales of $770 million for the first quarter of 2020. First quarter non-variable life sales were down more than 12% when compared to the previous quarter and down nearly 16% as compared to the same period last year.   Total 1Q21 […]

    FIRST QUARTER 2021 ANNUITY SALES

    {June 28th, 2021} by Sheryl J. Moore

    Deferred Annuity Sales Total 1Q2021 deferred annuity sales were $58,167,100,339. First quarter deferred annuity sales were up more than 3% when compared to the previous quarter and were up more than 10% when compared to the same period last year. Deferred annuities include sales of fixed, indexed, multi-year guaranteed, structured, and variable deferred annuities. Non-Variable […]

    In the wake of AJ’s death, I have found that I have become something I never intended to…an advocate

    {June 3rd, 2021} by Sheryl J. Moore

    When AJ Betts, my firstborn child, died- my world ended. And then- the unthinkable happened. In the wake of AJ’s death, I have found that I have become something I never intended to…an advocate. Today, I am an advocate for organ donation, advocate for suicide prevention, and advocate for LGBTQ+ rights, an advocate against bullying, […]

    FOURTH QUARTER 2020 LIFE INSURANCE SALES

    {May 25th, 2021} by Sheryl J. Moore

    Non-Variable UL Sales for the fourth quarter of 2020 were $740 million, compared with sales of $1,076 million for the fourth quarter of 2019. Fourth quarter non-variable life sales were up more than 18% when compared to the previous quarter and down more than 31% as compared to the same period last year. Sales of […]

    Fourth Quarter 2020 Annuity Sales

    {May 11th, 2021} by Sheryl J. Moore

    Deferred Annuity Sales Total 4Q2020 deferred annuity sales were $56,314,918,093. Fourth quarter deferred annuity sales were up nearly 4% when compared to the previous quarter and were up nearly 6% when compared to the same period last year. Sales for 2020 were down nearly 6% when compared to the prior year. Total 2020 deferred annuity […]

    Impact: Learning from Leaders

    {March 15th, 2021} by Sheryl J. Moore

    Tune in with Marshall Heitzman, CFP®, ChFC, FLMI and the team at CUNA Mutual Group Annuities, as I talk about why Structured Annuities make TOTAL SENSE in today’s market environment. Make sure to wear your green, and I’ll give you some tips that will help you to be seeing green! -sjm     Wink’s Note: […]

    A personal note to the Advisors Excel extended-family

    {March 14th, 2021} by Sheryl J. Moore

    I’ve been hurting since I heard about this on Saturday morning. I wasn’t close with Josh Jones from Advisors Excel,  he wouldn’t tell you that I was his “friend.” But, I will tell you this- – He IS a child of God. – He IS in Heaven now. (I’ve asked my son to give him a big […]

    Women!

    {March 9th, 2021} by Sheryl J. Moore

    We need to have one big conference for women, and get all of our female resources to attend so that we can quit TALKING about the matter of increasing the number of women in financial services, and finally JUST DO IT! -sjm   Let’s gather the following into 1 room: 1. The The American College of […]

    Evolutionary Distribution Channel

    {February 17th, 2021} by Sheryl J. Moore

    Late-night, sleep-deprived idea; how about we- 1. Save the insurance distribution from “dying off;” 2. Recruit more people of color into this business; 3. Recruit more females into this business; & 4. Create an “income glidepath” for those newly-entering the insurance business? This provides salespeople the financial (safety?)/support that they need in the early years […]

    Wink. Different. Better.

    {February 10th, 2021} by Sheryl J. Moore

    Wink: A third-party market research firm. Wink tracks life insurance & annuity companies, products, their features, rates, sales, & marketing since 2005.  Different: Insurance companies do not have to pay to participate in Wink’s services. Participating subscribers all pay the same price for a subscription. Better: Wink tracks sales metrics that are meaningful, standardized, and […]

    Unique Financial Service Needs for the ASD Community

    {January 27th, 2021} by Sheryl J. Moore

    Another group that has unique needs when it comes to financial services is the ASD community. For those of you who are not in the ASD circle, Autism Spectrum Disorder affects more than 1 out of 54 Americans. My youngest son was diagnosed as ASD at the age of three. It was difficult to figure […]

    Life Insurance & Annuities Day

    {January 20th, 2021} by Sheryl J. Moore

    January 27th is “Life Insurance & Annuities Day” at NAILBA’s Engage Virtual event. If you are interested in hearing what sales meetings and craft beer have in common, join me, Pam Sheehan, and Dan LaBert. There are some great webinar topics including a panel on cross-selling life insurance and annuities (I’ll be listening to Jason Lea, CFP, […]

    Connect, learn and grow!

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

    Some people whose content I follow, & love to learn from: Nick Gerhart– former Iowa Insurance Commissioner and best friend to the Intel Rockstar; terrific insights on insuretech, startups, strategy, & more; Marc Glickman, FSA, CLTC– an actuary-turned-marketer who is my go-to for anything Long Term Care; Charlie Gipple, CLU®, ChFC®– my longtime friend (and […]

    On a personal note: I am ABSOLUTELY OVERWHELMED with a grateful heart right now!

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

    I cannot explain what it has taken for me to get to the point where I am able to say that much more has come of my son’s death, than would have come had he lived. *I hope that makes sense.* When AJ took his own life after being bullied for being gay, I didn’t […]

    THIRD QUARTER 2020 LIFE INSURANCE SALES

    {November 30th, 2020} by Sheryl J. Moore

    Non-Variable UL Sales for the third quarter of 2020 were $624 million, compared with sales of $841 million for the third quarter of 2019. Third quarter non-variable life sales were down more than 5% when compared to the previous quarter and down nearly 26% as compared to the same period last year. Indexed Life Sales […]

    THIRD QUARTER 2020 ANNUITY SALES

    {November 25th, 2020} by Jamie Johnson

    Deferred Annuity Sales Total 3Q2020 deferred annuity sales were $54,217,243,301. Third quarter deferred annuity sales were up more than 18% when compared to the previous quarter, and were down more than 1% when compared to the same period last year. Non-Variable Deferred Annuity Sales Total 3Q2020 non-variable deferred annuity sales were $30,932,756,676. Third quarter deferred […]

    Holy annuities, Batman!

    {November 17th, 2020} by Sheryl J. Moore

    Multi-Year Guaranteed Annuity (MYGA) sales are up nearly 33% from last quarter and over 85% from this time last year?! Look who’s stealing indexed annuity market share now… Structured annuity sales are up 38% from last quarter and 30% from this time last year?! Before we know it, they’ll be selling better than indexed annuities […]

    #InsuranceJobs Needed

    {October 20th, 2020} by Sheryl J. Moore

    I created a LinkedIn group to help insurance pros looking for work to meet insurance pros looking for jobs. Unfortunately, I think we are going to get a lot more members in this group over the coming weeks… https://lnkd.in/ehkTvkE     -sjm

    Flawed Study Captures the Variable Annuity Industry’s Attention

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

      I wanted to provide some feedback on a recent working paper that was brought to my attention, before heading out for the weekend.   One of my favorite journalists contacted me on Wednesday, September 16, 2020- asking for commentary on “Conflicting Interest and the Effect of Fiduciary Duty – Evidence from Variable Annuities.” This […]

    Clarification on a misunderstood AG-49A regulation

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

    *Bonuses and multipliers are not necessarily “going away” on indexed UL.* Someone recently communicated to me that they were surprised by [an Unnamed Product Manufacturer]’s repricing of their [Unnamed Product], which previously had a big multiplier; now the multiplier is tiny. “Why is the multiplier still there? Didn’t AG-49A dictate that the bonuses/multipliers would disappear?” […]

    Not enough supply for the fee-based community

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

    There isn’t enough supply of annuities for the fee-based community. Let me give you a sneak peek (total fee-based offerings/total annuities): Indexed- 30/516 Multi-year guaranteed- 1/535 Structured- 8/51 Fixed- 0/67 Variable- 44/246 Do YOU think that there are enough choices if you are working through a fiduciary?   Wink’s Note:  Fixed annuities are classified as […]

    In short, sales were terrible!

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

    “Hoping everyone is finally getting comfortable with their new products after the 2017 CSO/PBR repricing and we can have a good push for 3Q and 4Q. ” 

    SECOND QUARTER 2020 LIFE INSURANCE SALES

    {August 31st, 2020} by Sheryl J. Moore

    Non-Variable UL Sales for the second quarter of 2020 were $642 million, compared with sales of $886 million for the second quarter of 2019. Second quarter non-variable life sales were down nearly 17% when compared to the previous quarter and down nearly 28% as compared to the same period last year. Indexed Life Sales for […]

    SECOND QUARTER 2020 ANNUITY SALES

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

    Deferred Annuity Sales Total 2Q2020 deferred annuity sales were $45,910,530,107. Second quarter deferred annuity sales were down nearly 13% when compared to the previous quarter.                       Non-Variable Deferred Annuity Sales Total 2Q2020 non-variable deferred annuity sales were $25,782,614,323. Second quarter non-variable deferred annuity sales were […]

    The annuity industry lost a good one.

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

    Adam Lunardini, you will be missed. Please join me in prayer for his family, while they grieve his untimely passing. Prayers also for his work family, whether you grew to love him at Sun Life, Fidelity & Guaranty Life Insurance Company, or Delaware Life Insurance Company. I mourn with you.  Please leave your favorite memory of Adam here, […]

    Thank you for your patience!

    {August 12th, 2020} by Sheryl J. Moore

    The main office of Wink, Inc. is without power due to the damage from Monday’s derecho.  We thank you for your patience if you are trying to reach us as we are operating on a skeleton crew with no phone service and intermittent internet.  Please be sure to email all questions and requests to support@winkintel.com.  […]

    On this day, 10 years ago

    {July 14th, 2020} by Sheryl J. Moore

    Hey, indexed annuity lovers ❤️- Look what popped up on my timeline! What have we learned in the decade since defeating 151A?

    FIRST QUARTER 2020 LIFE INSURANCE SALES

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

    Non-Variable UL Sales for the first quarter of 2020 were $770 million, compared with sales of $790 million for the first quarter of 2019. First quarter non-variable life sales were down more than 28% when compared to the previous quarter and down nearly 3% as compared to the same period last year.   Indexed Life […]

    FIRST QUARTER 2020 ANNUITY SALES

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

    Deferred Annuity Sales Total 1Q2020 deferred annuity sales were $52,704,571,827. First quarter deferred annuity sales were down more than 1% when compared to the previous quarter. Non-Variable Deferred Annuity Sales Sales for the first quarter of 2020 were $27,085,683,343. First quarter non-variable deferred annuity sales were flat when compared to the previous quarter, and were […]

    These companies deserve some recognition!

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

    When I started this company 15 years ago, one thing that I was committed to was being independent. I feel that it is very important, as a market research firm, to treat companies fairly and never give preferential treatment to any product manufacturer. No company should ever pay more/less than any other. No company should […]

    FOURTH QUARTER 2019 LIFE INSURANCE SALES

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

    Non-Variable UL Sales for the fourth quarter of 2019 were $1,076 million, compared with sales of $981 million for the fourth quarter of 2018. Fourth quarter non-variable life sales were up more than 28% when compared to the previous quarter and up nearly 10% as compared to the same period last year.     Indexed […]

    FOURTH QUARTER 2019 ANNUITY SALES

    {March 17th, 2020} by Sheryl J. Moore

    Deferred Annuity Sales Total 4Q2019 deferred annuity sales were $53,334,112,779. Fourth quarter deferred annuity sales were down more than 3% when compared to the previous quarter. Total 2019 deferred annuity sales were $221,817,006,915.   Non-Variable Deferred Annuity Sales Sales for the fourth quarter of 2019 were $26,990,563,806. Fourth quarter non-variable deferred annuity sales were down […]

    THIRD QUARTER 2019 LIFE INSURANCE SALES

    {November 27th, 2019} by Sheryl J. Moore

    Non-Variable UL Total 3Q2019 non-variable universal life sales were $816,122,151. Third quarter non-variable life sales were down more than 5% when compared to the previous quarter and down nearly 7% as compared to the same period last year.     Indexed Life Sales for the third quarter of 2019 were $529 million, compared with sales […]

    THIRD QUARTER 2019 ANNUITY SALES

    {November 26th, 2019} by Sheryl J. Moore

    Deferred Annuity Sales Total 3Q2019 deferred annuity sales were $55,206,815,849. Third quarter deferred annuity sales were down more than 5% when compared to the previous quarter.   Non-Variable Deferred Annuity Sales Total 3Q2019 non-variable deferred annuity sales were $29,210,974,291. Third quarter non-variable deferred annuity sales were down nearly 12% when compared to the previous quarter, […]

    FMO Q&A

    {October 23rd, 2019} by Sheryl J. Moore

    Over the past couple of decades, I have had the pleasure of working with hundreds of FMOs. These distributors drive innovation in product development, have the ability to command sales, and help the independent agent in their quest to best-serve their clients.   I am not just the lady that keeps their secrets; I am […]

    SECOND QUARTER 2019 LIFE INSURANCE SALES

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

    Non-Variable UL Total 2Q2019 non-variable universal life sales were $860,195,968. Second quarter non-variable life sales were up more than 12% when compared to the previous quarter and down more than 10% as compared to the same period last year.   Indexed Life Sales for the second quarter of 2019 were $551 million, compared with sales […]

    SECOND QUARTER 2019 ANNUITY SALES

    {August 26th, 2019} by Sheryl J. Moore

    Deferred Annuity Sales Total 2Q2019 deferred annuity sales were $58,271,065,521. Second quarter deferred annuity sales were up nearly 5% when compared with the previous quarter.   Non-Variable Deferred Annuity Sales Total 2Q2019 non-variable deferred annuity sales were $33,141,918,594. Second quarter non-variable deferred annuity sales were down nearly 1% when compared with the previous quarter, and […]

    Regulator friends- help?

    {August 13th, 2019} by Sheryl J. Moore

    HELP! I need a connection in the SEC’s Office of Investor Education. It appears that my competitor inappropriately calls Structured Annuities “Registered Indexed Linked Annuities” (or RILAs), has inaccurately given the SEC the impression that Structured Annuities are Indexed Annuities. They are NOT. The Investor Bulletin describes Structured Annuities; not Indexed Annuities. Many of the enclosed […]

    FIRST QUARTER 2019 ANNUITY SALES

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

    Deferred Annuity Sales Total 1Q2019 deferred annuity sales were $55,511,435,934.   Non-Variable Deferred Annuity Sales Total 1Q2019 non-variable deferred annuity sales were $33,465,294,344.   Variable Deferred Annuity Sales Total 1Q2019 variable deferred annuity sales were $22,046,141,590.   Indexed Annuity Sales for the first quarter of 2019 were $17,712 million, compared with sales of $14,219 million […]

    FIRST QUARTER 2019 LIFE INSURANCE SALES

    {May 24th, 2019} by Sheryl J. Moore

      Indexed Life Sales for the first quarter of 2019 were $491 million, compared with sales of $486 million for the first quarter of 2018. First quarter indexed life sales were down more than 20% when compared with the previous quarter, and up just over 1% when compared to the same period last year. Total […]

    FOURTH QUARTER 2018 ANNUITY SALES

    {March 19th, 2019} by Sheryl J. Moore

    Indexed Annuity Sales for the fourth quarter of 2018 were $19,202 million, compared with sales of $13,621 million for the fourth quarter of 2017. Fourth quarter indexed annuity sales were up more than 8% when compared to the previous quarter, and up nearly 41% when compared to the same period last year. This was a […]

    The Many Indices Available on Indexed Annuities

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

      Hi everyone. I have to make this short, as we are preparing 4Q2018 sales.   I recently participated in a call for the National Association of Insurance Commissioners (NAIC), regarding the matter of indexed annuities and the illustrations that accompany them.   For those who are interested, the following indices are available on indexed […]

    FOURTH QUARTER 2018 LIFE INSURANCE SALES

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

    Indexed Life Sales for the fourth quarter of 2018 were $617 million, compared with sales of $575 million for the fourth quarter of 2017. Fourth quarter indexed life sales were up nearly 17% when compared with the previous quarter, and up more than 7% when compared to the same period last year. This was a […]

    Dropping Some Knowledge on Universal Life Products

    {February 21st, 2019} by Sheryl J. Moore

    Recently, one of the largest Field Marketing Organizations (FMOs) in the country asked for Wink’s help with a big premium financing case. While preparing to run illustrations for the study, our team reviewed the list of products that the FMO wanted to include. I was shocked to see that while all of the products were […]

    THIRD QUARTER 2018 LIFE INSURANCE SALES

    {November 29th, 2018} by Sheryl J. Moore

    Indexed Life Sales for the third quarter of 2018 were $528 million, compared with sales of $478 million for the third quarter of 2017. Third quarter indexed life sales were down more than 4% when compared with the previous quarter, and up nearly 11% as compared to the same period last year. Total 3Q2018 indexed […]

    THIRD QUARTER 2018 ANNUITY SALES

    {November 21st, 2018} by Sheryl J. Moore

    Indexed Annuity Sales for the third quarter of 2018 were $17,718 million, compared with sales of $12,798 million for the third quarter of 2017. Third quarter indexed annuity sales were up more than 2% when compared to the previous quarter, and up more than 38% when compared to the same period last year. This was […]

    SECOND QUARTER 2018 LIFE INSURANCE SALES

    {August 28th, 2018} by Sheryl J. Moore

    Indexed Life Sales for the second quarter of 2018 were $552 million, compared with sales of $485 million for the second quarter of 2017. Second quarter indexed life sales were up nearly 14% when compared with the previous quarter, and up nearly 14% as compared to the same period last year as well. Total 2Q2018 […]

    SECOND QUARTER 2018 ANNUITY SALES

    {August 17th, 2018} by Sheryl J. Moore

    Indexed Annuity Sales for the second quarter of 2018 were $17,344 million, compared with sales of $14,647 million for the second quarter of 2017. Second quarter indexed annuity sales were up nearly 22% when compared to the previous quarter, and up more than 18% when compared to the same period last year. This was a record-setting […]

    FIRST QUARTER 2018 LIFE INSURANCE SALES

    {June 6th, 2018} by Sheryl J. Moore

    Indexed Life Sales for the first quarter of 2018 were $486 million, compared with sales of $436 million for the first quarter of 2017. First quarter indexed life sales were down nearly 16% when compared with the previous quarter, and up more than 11% as compared to the same period last year.   Total 1Q2018 […]

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