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 […]
Make me want to bang my head against a wall.
{January 9th, 2025} by Sheryl J. Moore
Oh my, Suze Orman…’Should I Cash Out My Annuity?’ Suze Orman Reveals Why This Listener’s Investment Isn’t As Good As It Seems People who look at annuities as investments, and not insurance, make me want to bang my head against a wall. In this situation, why didn’t Suze ask if the annuity purchaser needed to […]
What in the clickbait is this?
{January 7th, 2025} by Sheryl J. Moore
Why is it that the clickbait “What are annuities and how do they work?” nearly always gets it wrong, when it comes to annuities? I hate it when articles talk about the “types” of annuities, and mention immediate annuities and deferred annuities, but don’t specify that fixed, indexed, structured and variable annuities are all types […]
I just wish that AJ was here to see it all!
{January 7th, 2025} by Sheryl J. Moore
Eleven years ago, I lost my son to suicide. AJ Betts was relentlessly bullied for being gay. Eleven years ago, I learned that his gift of bodily donation was restricted to “life saving organs” only; just because he was gay. He could not donate his blood, intestines, corneas, or tissues. Ten years ago, my former […]
Reading suggestions for 2025
{December 31st, 2024} by Sheryl J. Moore
My friend Brad Pistole, RICP®, CAS®, IRMAACP™ has some great reading material suggestions for 2025. I feel honored to be on his list with so many greats in our industry! Check it out HERE! -sjm
Pepperwinkle
{December 31st, 2024} by Sheryl J. Moore
Today was a busy day. But at the end of the workday, Pepperwinkle was not doing good. I could feel that he was in pain. The vet said he slipped his disk. We initially thought it was a stroke. They said he was in tremendous pain. Not any more. Say “hi” to my son for […]
LOVE this video!
{December 26th, 2024} by Sheryl J. Moore
My precious friend Evan Juice Cutler snagged this awesome video of Shaq. Check it out! -sjm
As people seek-out holistic financial planning, and more finance pros transition to becoming RIAs, this trend will continue.
{December 26th, 2024} by Sheryl J. Moore
Would you be surprised to know that nearly a quarter of all indexed annuity sales originate through an RIA? Hybrid RIAs, that take commissions and do AUM, that is… This percentage has been growing steadily since 2005. I only see this figure increasing, going forward. As people seek-out holistic financial planning, and more finance pros […]
Dropping some knowledge on their relatively-new structured annuity/RILA.
{December 26th, 2024} by Sheryl J. Moore
It looks like InvestmentNews is doing promotional videos now. Check out my main man from Corebridge Financial, Bryan Pinsky, dropping some knowledge on their relatively-new structured annuity/RILA. Is a RILA the right annuity for your client? If you want more information on this product’s innovation, Wink’s subscribers can Click HERE to check out the specifics […]
The life insurance industry lost another good one
{December 26th, 2024} by Sheryl J. Moore
The life insurance industry lost another good one…Lew Nason has passed. Lew has been such a force in the life insurance business. He has run a successful agency since before I serviced his business in the home office, back in 1999. Let us remember those that have paved the way for us. You have my […]
My team gave me some really great gifts, but the card was the BEST.
{December 17th, 2024} by Sheryl J. Moore
Today was Wink, Inc.‘s Christmas party. My team gave me some really great gifts, but the card was the BEST. Thank you so much for your visionary choice, Daniele Longo!! What do you think? -sjm
It is my “coffee,” so to speak.
{December 17th, 2024} by Sheryl J. Moore
Many of you know that I am a Dr. Pepper addict. I used to drink nothing but Dr. Pepper and water, as an adolescent. Today, I drink a can of Dr. Pepper & Cream Soda every morning. It is my “coffee,” so to speak. Matt Mylroie saw one of my recent DP posts, and decided […]
Annuity Line of Business: Sales- % Change Over Last Qtr / % Change Over Last Year
{December 10th, 2024} by Sheryl J. Moore
Line of Business: Sales- % Change Over Last Qtr / % Change Over Last Year – All Annuities: $115.27 billion- 6.69% / N/A — All Deferred Annuities: $110.96 billion- 6.02% / 40.05% — Non-Variable Deferred Annuities: $79.76 billion- 8.24% / 45.56% —- Multi-Year Guaranteed Annuities (MYGAs): $42.40 billion- 3.34% / 36.97% —- Fixed Annuities: $516.79 […]
Life Insurance Line of Business: Sales- % Change Over Last Qtr / % Change Over Last Year
{December 10th, 2024} by Sheryl J. Moore
Line of Business: Sales- % Change Over Last Qtr / % Change Over Last Year – All Universal Life: $1.13 billion- -0.57% / N/A — Non-Variable Universal Life: $847.86 million- 0.05% / 9.54% — Universal Life: $100.02 million- -0.52% / 15.21% — Indexed Life: $748.86 million- 0.22% / 8.97% — Variable Universal Life $284.71 million- […]
Do your job
{December 10th, 2024} by Sheryl J. Moore
Who told their client to call me, and advise them of what to do with their annuity, in light of recent regulatory action against their insurer? I am not a personal producing agent. I am a market research analyst that specializes in life insurance and annuities. -sjm
More *free* annuity and life insurance sales data than you can shake a stick at!
{December 3rd, 2024} by Sheryl J. Moore
All Annuity Sales Total 3Q2024 all annuity sales $115,272 million. Third quarter annuity sales were up nearly 7% when compared to the previous quarter. Read more at: Third Quarter 2024 Annuity Sales. All Universal Life Sales for the third quarter of 2024 were $1,132 million. Third quarter universal life sales were down […]
THIRD QUARTER 2024 LIFE INSURANCE SALES
{November 27th, 2024} by Sheryl J. Moore
All Universal Life Sales for the third quarter of 2024 were $1,132 million. Third quarter universal life sales were down less than 1% when compared to the previous quarter. Given that this is the third quarter that Wink has collected data on sales of all universal life insurance products, additional comparisons will be available in […]
Third Quarter 2024 Annuity Sales
{November 27th, 2024} by Sheryl J. Moore
All Annuity Sales Total 3Q2024 all annuity sales $115,272 million. Third quarter annuity sales were up nearly 7% when compared to the previous quarter. Given that this is the third quarter that Wink has collected data on income annuity sales, additional comparisons will be available in future quarters. Deferred Annuity Sales Total 3Q2024 deferred annuity […]
Or, nearly the amount of sales for all of 2023. Amazing.
{November 27th, 2024} by Sheryl J. Moore
Holy buckets! It was a record-setting quarter for indexed annuity sales, which hit $36 billion for the third quarter. That is $98 billion YTD! Or, nearly the amount of sales for all of 2023. Amazing. Structured annuities (RILAs) set a record this quarter too! The product line did $15 billion in sales for 3Q2024, which […]
Only hybrid indices on this bad baby.
{November 27th, 2024} by Sheryl J. Moore
This is a newer development… Indexed annuities with no S&P 500 option; only hybrid indices on this bad baby. The feature on these annuities that I like is that there is an indexed strategy with a 2% floor. REMEMBER THOSE?!? Check out this press release for more on the American National Rate Certainty annuity series. […]
NOHLGA.
{November 27th, 2024} by Sheryl J. Moore
The more you know… Everyone I know who has inquired about insurance company insolvencies wonders why the National Organization of Life & Health Insurance Guaranty Associations (NOLHGA) doesn’t release information to them. I think I found out why. Reading a report about a recent company insolvency, I see that the insurer signed both a confidentiality […]
What about you? Which industry magazines/news sources do you miss?
{November 27th, 2024} by Sheryl J. Moore
Am I the only one that is frustrated by the lack of life insurance/annuity news sources that we have today? When I started in this business, we had: – “Agent Sales Journal” GONE – “Annuity Market News” GONE – “Annuity News” GONE – “Annuity News & Lifelines” GONE – “Best’s Review” – “Broker World” – […]
Hopefully we will have some viable choices; not tough decisions
{November 21st, 2024} by Sheryl J. Moore
A strange thing happened this week. THE DAY that I found out that my Dad was going to a nursing home, for his advanced Alzheimer’s, I had a planned visit with a wholesaler from OneAmerica Financial. Tim Vannoy, CLU, ChFC, CFP® wholesales combo products (annuities + LTC and life insurance + LTC) for the company. […]
Here are five people that I regularly learn from on LinkedIn:
{November 21st, 2024} by Sheryl J. Moore
I got this idea from Joe Apfelbaum and David M. Penny. Let’s play a game. Tag five people in my LinkedIn post who you value, and learn from regularly, on LinkedIn! Here are five people that I regularly learn from on LinkedIn: 1. Ian Ehrlich, 2. Andy Panko, CFP®, RICP®, EA, 3. Matthew Jarvis, 4. […]
You cannot talk about the guaranty fund
{November 21st, 2024} by Sheryl J. Moore
The more you know: The Life and Health Insurance Guaranty Association Model Act (as of the latest version, dated the first quarter of 2018) includes a ban on using the existence of guaranty association coverage in inducing the sale of insurance. This is why you cannot talk about the guaranty fund, when trying to sell life insurance […]
And then- I decided to work smarter.
{November 21st, 2024} by Sheryl J. Moore
Think SMARTER, not harder. My old boss taught me this adage about 22 years ago. I have used it ever since. I still remember the first time I used it in my OWN business. When I first started my company, I found myself giving the same demonstration of Wink, Inc.‘s AnnuitySpecs tool over and over […]
Long term care insurance: get it.
{November 15th, 2024} by Sheryl J. Moore
My Dad is 68. He is a Navy vet. His Dad died after a long fight with Alzheimer’s. Today I found out that my Dad now has it too. Dad is being transferred to a nursing home, as we speak. He has no long term care insurance. Seventy percent of adults who survive to age […]
We don’t get all of the facts, but I appreciate the viewpoint of two professionals
{November 13th, 2024} by Sheryl J. Moore
A MarketWatch article, ‘We now realize what a horrible mistake this was.’ Almost 10 years ago, we bought three $100K annuities that guaranteed 5%. Now we want out. What’s the move? asks: “We now realize what a horrible mistake this was.’ Almost 10 years ago, we bought three $100K annuities that guaranteed 5%. Now we […]
Did you know
{November 5th, 2024} by Sheryl J. Moore
Did you know that precisely 27.85% of the $109.62 billion in annuity sales in 2Q2024 were originated through insurance companies that are backed by private equity? Something about these products has lured in some of the biggest PE firms… -sjm
I wouldn’t buy an annuity from this guy, if you paid me
{November 5th, 2024} by Sheryl J. Moore
I get sick of these “news” segments, where financial services folks pay for screen time. I find that many of them have elementary knowledge of the products they are pitching, and most of them have bad information. And so often, the topic at hand is ANNUITIES. Things I don’t like about this segment: Every two […]
This book is just the icing on the cake.
{October 29th, 2024} by Sheryl J. Moore
Guess what? I found out who sent me “The Handbook of Retirement Income!” Background: my subscription to Retirement Income Journal recently lapsed. I cannot miss an issue of Kerry Pechter‘s RIJ; I read it religiously. So, I re-subscribed. Unbeknownst to me- subscribers to “Retirement Income Journal,” who pay for an annual subscription, receive a complimentary […]
WORST and most egregious video on indexed life that you have seen.
{October 23rd, 2024} by Sheryl J. Moore
WORST and most egregious video on indexed life that you have seen. GO! -sjm Share the links and see the list growing over on LinkedIn HERE.
For those looking for more than a snippet on these rapidly-growing lines of business, these manuscripts are a great place to start.
{October 23rd, 2024} by Sheryl J. Moore
Just sold 200 copies of “Why I Bought Indexed Annuities” to an FMO. Agents love it. Prospects love it. I LOVE IT!
“It is how billionaires get rich”
{October 16th, 2024} by Sheryl J. Moore
>>>>>>>>>>>>>>I got seriously ticked-off last night.<<<<<<<<<<<<< I had a representative from Culligan come to my house, to service our water filtration system. The young man (probably a decade younger than me?) was remarkable because he remembered when we moved into our home, seven years ago. At that time, he was working for FedEx, and remembered […]
#TheBook
{October 16th, 2024} by Sheryl J. Moore
Wow. So amazed at how some agents are marketing hashtag#TheBook! https://www.theannuitygiants.com/book Good lookin’ out, Tracy Lownsberry. -sjm
Well, I for one, find many of these indexing methods to be complicated.
{October 8th, 2024} by Sheryl J. Moore
The structured annuity (RILA) marketplace is where the indexed annuity market was in 2002. Everyone is introducing a new way to calculate indexed interest! Well, I for one, find many of these indexing methods to be complicated. If I cannot explain it, how do you expect the agent to? And even more importantly- how do […]
Their new structured annuity has an unique feature
{October 8th, 2024} by Sheryl J. Moore
Corebridge Financial just entered the structured annuity (RILA) space. Their new MarketLock Annuity has a unique feature: “This Lock Strategy is the only available RILA strategy account option that locks and credits a rate based on actual S&P 500® index performance on the day the preset growth target is reached, securing these gains automatically and […]
I look forward to seeing how sales are for this one
{October 8th, 2024} by Sheryl J. Moore
Security Benefit launched their TopRidge Bonus Annuity, which features a 20% premium bonus. There are a couple of surprises on this bad boy. But don’t get too excited yet; you may not have access- it is proprietary to four FMOs. For all the details, check out the specs on this bad baby on Wink, Inc.’s […]
If you sell indexed life, this post and corresponding chart are a MUST-read
{October 1st, 2024} by Sheryl J. Moore
My thanks to Brian Manderscheid and LifePro Financial for putting together this GREAT comparison of indexed life new business rates to inforce renewal rates. One of the things that so few talk about in the insurance industry is the propensity for insurance companies to reduce their rates, once the business is on the books. It’s […]
Sorry, not sorry
{October 1st, 2024} by Sheryl J. Moore
Well…first of all, they aren’t “EIAs.” We quit calling them “equity indexed annuities,” so that they didn’t give purchasers the mistaken impression that they perform like equities products. Responding to EIAs should be securities opinion piece in InvestmentNews by Scott Hanson. I, for one, am glad that indexed annuities were created. I have averaged […]
“There are no bad investments ‘unless they’re bogus.'”
{October 1st, 2024} by Sheryl J. Moore
Annuity rates are still higher than they have been for more than a decade, so no- annuity sales are not going to wane much. Here’s what some voices of reason had to say in this piece, Annuities are changing, and so are advisors’ attitudes in InvestmentNews: “For advisors who ‘hate annuities and would never touch […]
Chock-full of good stats…too many to list!
{October 1st, 2024} by Sheryl J. Moore
I thought long and hard about sharing this piece, Annuity Statistics: 2024 MarketWatch Guides Annuity Survey That is because this survey is not representative of the industry in a couple of different categories. That said- I still think it has some validity and valuable findings. Key takeaways: – The majority of annuity owners (55%) purchase […]
We really don’t do a good job of supporting new agents
{September 18th, 2024} by Sheryl J. Moore
My friend David H. Kinder, RFC®, ChFC®, CLU® put together an “Interviewing the Interviewer” video, which provides key tops for new agents, looking to contract with a career agency insurance company. I learned A LOT watching this. We really don’t do a good job of supporting new agents, looking to get into this business. This […]
Be kind.
{September 10th, 2024} by Sheryl J. Moore
I will never forget that day. My neighbor said he was doing cartwheels in the back yard, and playing with the dogs an hour before he was found dead. He complained to me that the kids at school were bullying him. He said they told him to “go to h*ll” because he was going to […]
LINE OF BUSINESS: SALES, % CHNG/QTR and % CHNG/YR
{September 10th, 2024} by Sheryl J. Moore
LINE OF BUSINESS: SALES, % CHNG/QTR and % CHNG/YR All Universal Life: $1.13 billion, 11.92% and N/A > Non-Variable Universal Life: $847.41 million, 12.08% and 2.37% >> Universal Life: $100.54 million, 12.21% and -1.06% Indexed Life: $747.23 million, 12.08% and 2.88% >>Variable Universal Life: $291.60 million, 11.44% and N/A Whole Life: $1.08 billion, 6.37% and […]
I wonder how much this would be in 2024 money?
{September 10th, 2024} by Sheryl J. Moore
Reading Gary Schulte’s “The Fall of First Executive…” I just read a staggering statistic in the first chapter- “In fact, by the late 1970’s, industry statistics revealed that it cost the typical career agency company over $200,000 to put each agent through his or her fourth year in business.” I wonder how much this would […]
SECOND QUARTER 2024 LIFE INSURANCE SALES
{September 4th, 2024} by Sheryl J. Moore
All Universal Life Sales for the second quarter of 2024 were $1,139 million. Second quarter universal life sales were up nearly 12% when compared to the previous quarter. Given that this is the second quarter that Wink has collected data on sales of all universal life insurance products, additional comparisons will be available in future […]
New! New! New!
{September 4th, 2024} by Sheryl J. Moore
American Life & Security Corp. launched their new MaxGrowth indexed annuity! If you want more information on this unique product, log into Wink, Inc.’s AnnuitySpecs tool NOW. AnnuitySpecs users may click the links below to view product specifications. MaxGrowth 10 MaxGrowth 10 Bonus Last week, I was able to give you all a […]
Getting drunk on fees
{September 4th, 2024} by Sheryl J. Moore
Indexed annuity bonuses, with fees. Indexed annuity indexing methods, with fees. Indexed annuity guaranteed lifetime withdrawal benefits, with fees. Indexed annuities with fees, for the sake of having fees. Who thinks carriers are getting drunk on fees? This used to be a product that HAD NO FEES, ever. -sjm Join in the conversation on […]
“The most innovative companies shaping the future of the industry.”
{September 3rd, 2024} by Sheryl J. Moore
Wink, Inc. is featured as one of Nassau Financial Group Re/Imagine’s “Product Selectors” on their Top 100 Retiretech Companies of 2024. “The most innovative companies shaping the future of the industry.” Pretty cool! Check it out!
Pick it up, if you want to be inspired by a true believer.
{September 3rd, 2024} by Sheryl J. Moore
When I have a conflict, and cannot make a speaking gig, Tom Hegna is one of the individuals I refer business to. Over the years, he has become a good friend. And after he read my book, I figured that I better return the favor. So… I loved that “Pay Checks and Play Checks” was […]
It is SO disingenuous to make statements like this.
{September 3rd, 2024} by Sheryl J. Moore
WHAT?!? Click HERE for Commission-Free Annuities: A Guide to Understanding and Maximizing Retirement Savings I am SO tired of these guys. This distributor perpetuates so much bad information about annuities! Yeah, yeah- you sold over $2 billion in “no commission” annuities in 2022. We get it. (That is less than 1% of all deferred annuities […]
And already- it’s #4!
{September 3rd, 2024} by Sheryl J. Moore
Americo Financial Life and Annuity’s Instant Decision IUL was launched late in the first quarter of this year. And already- it is the #4 top-selling IUL in the country! Congratulations Todd Adrian and team! -sjm
Second Quarter 2024 Annuity Sales
{August 23rd, 2024} by Sheryl J. Moore
All Annuity Sales Total 2Q2024 all annuity sales $109,621 million. Second quarter annuity sales were up nearly 4% when compared to the previous quarter. Given that this is the second quarter that Wink has collected data on income annuity sales, additional comparisons will be available in future quarters. Deferred Annuity Sales Total 2Q2024 deferred […]
Annuity Sales % change
{August 23rd, 2024} by Sheryl J. Moore
Annuity sales for 2Q2024 Line of Business: Sales- % Chng/Qtr and % Chng/Last Yr ALL ANNUITIES: $109.62 B- 3.71% and N/A (just began tracking SPIAs/DIAs) – All Deferred Annuities: $104.66 B- 4.11% and 31.26% — Non-Variable Deferred Annuities: $73.68 B- 0.34% and 31.27% — Multi-Year Guaranteed Annuities: $41.03 B- -6.27% and 34.71% — Fixed Annuities […]
I don’t say it often, but this is truly innovative
{August 23rd, 2024} by Sheryl J. Moore
So pleased to see that my buddy Bruce Donaldson and the tremendous crew at Simplicity Group have exclusive access to an indexed annuity now! I don’t get to say this often, but this annuity has a TRULY INNOVATIVE indexed crediting mechanism in their “Gain Control Option.” Interested? Check it out at Wink, Inc.’s AnnuitySpecs tool. -sjm
A piece of my mind
{August 14th, 2024} by Sheryl J. Moore
“THERE IS NO SUCH THING AS AN ANNUITY THAT PAYS A 15% COMMISSION TODAY!” There haven’t been products like that since before the suitability model reg was introduced in 2003. Maybe if you used Wink, Inc.‘s AnnuitySpecs tool, you would know that. “It benefits NO ONE when one badmouths the lion’s share of annuities, in […]
Food for thought
{August 14th, 2024} by Sheryl J. Moore
Did you know that there are 134 different indices, upon which you can earn indexed interest on an indexed annuity? And yet, 66.58% of all indexed annuity premiums are allocated to the S&P 500 or a fixed bucket. Food for thought.. -sjm
Coach Pete & Sheryl J. Moore talking about Indexed Annuities
{August 7th, 2024} by Sheryl J. Moore
I was blessed to be interviewed by Peter -Coach Pete- D’Arruda, RICP®, MRFC® about my new book. -sjm Click HERE to view Coach Pete & Sheryl J. Moore talking about Indexed Annuities
A typical day in the life of Sheryl J. Moore
{August 7th, 2024} by Sheryl J. Moore
– Get ready and throw a load of laundry in; – Get to the office, and grab a Dr. Pepper Cream Soda; – Feed the fish; – Read the morning news; – Check email; – Send out book orders; – Read the policy filing for a new indexed annuity; – Do a podcast with one […]
Too good not to share…
{August 7th, 2024} by Sheryl J. Moore
Thanks for the testimony, Branislav Nikolic! -sjm
Are you empowering your clients’ decisions with proper knowledge on indexed annuities?
{July 29th, 2024} by Sheryl J. Moore
If you want lessons on how to be successful with podcasts, take notes on Jeremy Houser 🔉 from InsurMark. He is killing it! Check out the details in the comments to listen. -sjm
Eleven years.
{July 29th, 2024} by Sheryl J. Moore
Eleven years. I didn’t think I could live without you for a day. My firstborn; my son. How I wish you didn’t take your life that day. It is a curse that I remember every moment of that day. It is a curse that it obsessively replays in my mind. It is a curse that […]
I just couldn’t get past the grief long enough to see that they needed me.
{July 23rd, 2024} by Sheryl J. Moore
I’ve struggled with wanting to live. Not now, but twice I thought that living wasn’t for me. Both times were after my firstborn’s suicide. The grief was indescribable. The depression was unreal. I was hallucinating from the medications. And I tried to end my life. Then, I went inpatient. I learned that I needed to […]
This is an excellent opportunity for a candidate who may be ready for this executive role
{July 23rd, 2024} by Sheryl J. Moore
I have a client that is a growing, dynamic annuity company. They are seeking a Chief Financial Officer. This is an excellent opportunity for a candidate who may be ready for this executive role, or who is currently in this role and desires entrepreneurial opportunities. The CEO/company is seeking a strategic business partner. They prefer […]
Components of Hybrid Indices
{July 16th, 2024} by Sheryl J. Moore
What if I told you that most hybrid indices change the components that make up the index at least annually? How would you feel about that? -sjm Join in the LinkedIn discussion HERE
Maybe I can get that message to Grandpa’s wife, before it is too late for her children.
{July 10th, 2024} by Sheryl J. Moore
I was out of the office attending the funeral of my husband’s grandfather. It was my first funeral since my son took his life. That will be 11 years ago this month. Grandpa Lasnek lived 89 years. He had eight children, countless grandchildren, and even a few great-grandchildren. By all measures, he lived a long […]
I don’t believe in investing in anything I don’t understand.
{July 3rd, 2024} by Sheryl J. Moore
I just watched “Dumb Money,” at the prompting of one of my followers. I have to be honest with you. I have never purchased stocks. Why? I don’t believe in investing in anything I don’t understand. Now, don’t get me wrong- I am diversified. I have other investments with equity exposure. But this movie has […]
Imagine giving your clients PEACE OF MIND!
{July 3rd, 2024} by Sheryl J. Moore
My friend Michael Finke indicates that those with annuities spend more freely than those without. Imagine giving your clients PEACE OF MIND! Click HERE to check out his latest post which begins with”Will a retiree with $500,000 in a savings account spend as much as a retiree who has a $35,000 pension? Our findings were […]
FIRST QUARTER 2024 LIFE INSURANCE SALES
{June 13th, 2024} by Sheryl J. Moore
All Universal Life Sales for the first quarter of 2024 were $1,040 million. Given that this is the first quarter that Wink has collected data on sales of all life insurance products, comparisons will be available in future quarters. All universal life (UL) products include fixed UL, indexed UL, and variable UL products. Total 1Q2024 […]
FMOs doing due diligence on carriers has struck a chord.
{June 13th, 2024} by Sheryl J. Moore
I love my FMOs. The principals of the FMOs are some of my closest friends in this business. They have taught me so much about this business, over the past 25 years. That said- my recent post about FMOs doing due diligence on carriers has struck a chord. Several marketing groups reached out to me, […]
I mean, I know this isn’t exactly warm and fuzzy news about annuities, but…
{June 13th, 2024} by Sheryl J. Moore
Is it just me? Or, does it seem that InvestmentNews is getting less and less friendly toward annuities over the past few weeks? Click HERE to read I mean, I know this isn’t exactly warm and fuzzy news about annuities, but… “…an expensive and often misunderstood investment product?” I guess my life insurance policy could […]
First Quarter 2024 Annuity Sales
{June 6th, 2024} by Sheryl J. Moore
All Annuity Sales Total 1Q2024 all annuity sales $105,705 million. Given that this is the first quarter that Wink has collected data on income annuity sales, comparisons will be available in future quarters. All annuities include sales of multi-year guaranteed, fixed, indexed, structured, variable, immediate income, and deferred income annuities. Deferred Annuity Sales Total 1Q2024 […]
Homework before advising people in a public forum
{June 6th, 2024} by Sheryl J. Moore
So, I didn’t expect The White Coat Investor to endorse insurance products, when appropriate, but they sure didn’t mince their words. Read their story at Mortgages, Universal Life Insurance, and Annuities “This person is not a financial advisor. You might think you’re getting some sort of beneficial financial advice because you once bought an insurance […]
It was the scariest thing that I had ever done.
{May 30th, 2024} by Sheryl J. Moore
Nineteen years ago, I incorporated Wink, Inc. Starting this business was, at the time, the scariest thing I had ever done. What if I failed? According to the U.S. Bureau of Labor Statistics: – First year: 18–20% of businesses fail – Five years: 45–50% of businesses fail – Ten years: 65% of businesses fail – Fifteen years or […]
Not your Grandma’s Annuities
{May 30th, 2024} by Sheryl J. Moore
I did a podcast for C2P Enterprises with Kirsten Schlumbohm, BPC for her “A Woman’s Clarity” program. This videos kicks off Annuity Awareness Month, shares how women humanize the life insurance industry, and reveals how annuities have transformed from your grandma’s restrictive contract, into a flexible, consumer-friendly vehicle for retirement income planning. Be sure […]
How can this product not exist? Does it, and I’m missing it?
{May 30th, 2024} by Sheryl J. Moore
I am always trying to learn more about the Registered Investment Advisor (RIA) distribution. It has become a keen interest of mine, since it became a distribution channel for annuities. I have found that one of the best ways of learning about this new distribution is having conversations with investment advisors. Today, I had an […]
We are NOT that firm.
{May 30th, 2024} by Sheryl Moore
Wink, Inc. is a third-party market research firm. I own 100% of the company. My nearest competitor is owned by the insurance companies that report sales to them. I remember a time when that company was reporting structured annuity/RILA sales with their indexed annuity breakouts. Sometimes insurance companies want me to report their sales differently […]
Liver, yes. Corneas, no. FDA urged to relax tissue donation ban for gay and bisexual men
{May 30th, 2024} by Rae Ellen Bichell
And they are frustrated. The FDA has put changes to the tissue guidance on its agenda since 2022 but has yet to act on them. One of the loudest voices is Sheryl J. Moore, who took up the cause when her 16-year-old son died in 2013. She and a Colorado doctor named Michael Puente Jr. started a campaign […]
The books are here!
{May 30th, 2024} by Sheryl J. Moore
It’s an easy read and I think you will enjoy it! I appreciate your support. To purchase the book, please call our office at 855-ASK-WINK xt 203 to speak with Cathy. or Amazon https://www.amazon.com/dp/B0D4MMMPTJ/?ref_=cm_wl_huc_item -sjm
How many different insurance companies are you appointed with?
{May 14th, 2024} by Sheryl J. Moore
This U.S. Department of Labor stuff is driving me crazy. I could use your help updating a stat that I use… Click HERE for the poll: For insurance agents- how many different insurance companies are you appointed with? -sjm
This is what U.S. DOL relied on
{May 14th, 2024} by Sheryl J. Moore
The U.S. Department of Labor relied upon a study of RIAs and B/Ds for their rationale on indexed annuities, which are sold by independent insurance agents 57.4% of the time. As a lady who relies on FACTS, to do what she does, I am completely baffled by the made-up bologna that the U.S. Department of Labor […]
I never like these lists
{May 7th, 2024} by Sheryl J. Moore
I never like these lists, simply because the “best” is in the needs, goals, and objectives of the annuity purchaser…yet- Bankrate needs to do better “research” with their list of “Best Annuity Companies.” Allianz Life does not have any annuities that exceed a 10-year surrender charge period. And they offer three different types of deferred […]
WHAT is this based upon?
{May 7th, 2024} by Sheryl J. Moore
“Knowing whether your financial advice is coming from a trusted professional or someone akin to a car salesman may soon become easier.” How do you feel about their analogies? Click HERE to read The Final DOL Fiduciary Rule Has Arrived. Here’s What It Means for Investors via Morningstar Sheesh. Talk about out-of-touch! “According to […]
Rough draft is in!
{April 23rd, 2024} by Sheryl J. Moore
The rough draft is in, and I am proofing! -sjm
Revol One has officially entered the annuity market
{April 23rd, 2024} by Sheryl J. Moore
Revol One Financial has officially entered the annuity market, and launched their products! They are offering a MYGA, a MYGIA (think a MYGA with an indexed twist), and an indexed annuity. For all the deets, check them out on Wink, Inc.‘s AnnuitySpecs tool. We’ve got you covered! -sjm
Are you aware of consumers not being “made whole,” in the wake of an insurance company insolvency?
{April 16th, 2024} by Sheryl J. Moore
I recently began researching the NATIONAL ORGANIZATION OF LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATIONS. This is the organization that ensures that consumers receive as much as [$250,000] of their annuity back, in the event of an insurance company insolvency. Over the past year, I have heard stories about customers not receiving their full $250,000 back, […]
BIG PREMIUM BONUS
{April 8th, 2024} by Sheryl J. Moore
And let the arms race of the big premium bonuses begin! -sjm Join in the LinkedIn Conversation
Simplicity sells. Repeat after me…
{April 8th, 2024} by Sheryl J. Moore
Why are all insurance companies trying to “innovate,” by creating new indexing methods? This is low interest rate behavior. Let’s not start this stuff again, now that rates are good. You don’t have to have a complex product. Simplicity sells. Repeat after me… -sjm Join in the conversation on Linked In. Click HERE
If “fixed income annuities” are good for retirees.
{April 8th, 2024} by Sheryl J. Moore
If you fast-forward to about the 3:30 second mark on this video, Click HERE to view you will see that a consumer asks Terry Savage if “fixed income annuities” are good for retirees. Terry responds that with “fixed indexed annuities” only the insurance agent is going to get rich. She closes with “don’t do it,” […]
Be Real
{April 8th, 2024} by Sheryl J. Moore
A message from my good friend, Doug Orchard, who directed the film I was in, “The Baby Boomer Dilemma…” “BE REAL I have observed that many financial advisors pretend to be someone they are not. Too many are acting. I’m sharing this video to persuade you to be real and see what happens when we […]
And yes, life insurance illustrations are broken for ALL types of life insurance- whole life included.
{April 8th, 2024} by Sheryl J. Moore
When I first purchased life insurance on myself, I couldn’t afford whole life, and so I purchased universal life (UL). My agent explained that the amount of premium that I need to pay may change, as the credited rate on my policy changed. Above all, he cautioned, I must always pay AT LEAST the sum […]
29.5% of indexed annuity sales…
{March 25th, 2024} by Sheryl J. Moore
I did some research yesterday and found out that 29.5% of indexed annuity sales are through insurance companies with private equity ownership. While on that topic, ThinkAdvisor has a provocative article you may want to read. Click HERE to read Protect Annuity Issuers From Bad Advisor Affiliates: Regulators Join in the LinkedIn discussion here. […]
FOURTH QUARTER 2023 LIFE INSURANCE SALES
{March 13th, 2024} by Sheryl J. Moore
Non-Variable UL Sales for the fourth quarter of 2023 were $894 million, compared with sales of $859 million for the fourth quarter of 2022. Fourth quarter non-variable life sales were up nearly 16% when compared to the previous quarter and up more than 4% as compared to the same period last year. Total 4Q2023 non-variable […]
This is a relatively new development, which I largely attribute to The SECURE Act.
{March 10th, 2024} by Sheryl J. Moore
Maybe the reason why older people are not as interested in annuities is because they have been exposed to information that puts annuities in a negative light. Younger people might be more receptive to using annuities because news about annuities over the past few years has been largely positive. This is a relatively new development, […]
Another head-turner
{March 7th, 2024} by Sheryl J. Moore
In case you missed the launch, Americo Financial Life and Annuity has a new “Instant Decision IUL,” which offers the highest caps and rates in the industry. Another head-turner? (I mean besides the instant issue part…) There is no medical exam required for coverage up to $450,000. Want the deets? We have the specs on […]
Fourth Quarter 2023 Annuity Sales
{March 6th, 2024} by Sheryl J. Moore
Deferred Annuity Sales Total 4Q2023 deferred annuity sales $105,464 million, compared with sales of $79,336 million for the fourth quarter of 2022. Fourth quarter deferred annuity sales were up more than 33% when compared to the previous quarter and up nearly 33% when compared to the same period last year. Non-Variable Deferred Annuity Sales Total […]
LINE OF BUSINESS: 4Q23 Sales- % CHNG QTR / % CHNG YR
{March 6th, 2024} by Sheryl J. Moore
LINE OF BUSINESS: 4Q23 Sales- % CHNG QTR / % CHNG YR All Deferred Annuities: $105.46 B- 33.11% / 32.93% >Non-Variable Deferred Annuities: $81.33 B- 48.42% / 40.58% >>Indexed Annuities: $27.96 B- 19.80% / 29.18% >>Fixed Annuities: $730.63 M- 47.32% / 26.98% >>MYGAs: $52.63 B- 70.02% / 47.73% >Variable Deferred Annuities: $24.13 B- -1.23% / […]
Insure your love
{February 21st, 2024} by Sheryl J. Moore
For Insure Your Love month (thanks to Life Happens), I thought I would drive home the importance of life insurance. Click HERE to take a read. People need life insurance. -sjm
Now, we have all of your cash value life insurance product needs met.
{February 13th, 2024} by Sheryl J. Moore
Did I mention that Wink, Inc.‘s LifeSpecs tool now houses product information on structured universal life (UL) as well as variable UL? Now, we have all of your cash value life insurance product needs met. Click HERE to read more about it! -sjm
He would be 27 this year.
{January 29th, 2024} by Sheryl J. Moore
My son, AJ Betts, died by suicide ten years ago. The bullies won. Every year, my family goes out to eat cheeseburgers on AJ’s birthday, to celebrate his life. He would be 27 this year. Tonight, we chose to eat at Five Guys Enterprises in West Des Moines. You can’t get a better burger. As […]
True or False
{January 23rd, 2024} by Sheryl J. Moore
True or false- Indexed annuities have: – 180 different indices upon which to base their interest crediting, – 33 different ways of calculating the indexed interest, and – 4 ways of limiting indexed gains. PLUS – 1 major reputation for being complex. Join in the discussion on LinkedIn HERE -sjm
Redacted contract-holder annual statements
{January 3rd, 2024} by Sheryl J. Moore
I am putting the finishing touches on my second book. As a part of that process, I am looking for redacted contract-holder annual statements that show fantastic gains on indexed annuities. If you have a couple, that you are interested in sharing, please shoot them my way. -sjm sjm@intelrockstar.com
They could be the answer to the nation’s retirement crisis.
{December 19th, 2023} by Sheryl J. Moore
I don’t know what else to say. This stuff makes me mad. Click HERE to read DOL hearing parses intersection of ‘best interest’ and annuity sales via InvestmentNews Just because annuities are purchased in a different manner than investments, doesn’t make them inferior. These are important products, and Americans need to learn about them. They […]
Five things your annuity seller SHOULD tell you:
{December 19th, 2023} by Sheryl J. Moore
I believe you may misunderstand indexed annuities Mike Palmer. Click HERE to view Five Things Your Annuity Seller Won’t Tell You via Kiplinger What do you mean when you say indexed annuities “offer ‘point to point’ crediting, but the investor must choose monthly or annual valuation, and the fees for each option differ?” The annuity […]
Maybe if more companies would follow suit…
{December 19th, 2023} by Sheryl J. Moore
Athene is promoting annuities in my Morning Brew newsletter. Maybe if more companies would follow suit, we wouldn’t have a retirement crisis. 🤷🏼♀️ -sjm
THIRD QUARTER 2023 LIFE INSURANCE SALES
{December 8th, 2023} by Sheryl J. Moore
Non-Variable UL Sales for the third quarter of 2023 were $774 million, compared with sales of $769 million for the third quarter of 2022. Third quarter non-variable life sales were down more than 6% when compared to the previous quarter and down less than 1% as compared to the same period last year. Total 3Q2023 […]
Wow. Life insurance sales really struggled 3Q2023!
{December 8th, 2023} by Sheryl J. Moore
LINE OF BUSINESS SALES % CHNG QTR / % CHNG YR >Non-Variable Universal Life | $774.03 M | -6.49% / 0.64% >>Universal Life | $86.82 M | -14.57% / -9.65% Indexed Life | $687.22 M | -5.38% / 2.46% Whole Life | $1.01 B | -7.10% / -7.61% -sjm
Speaking of annuity sales-
{December 8th, 2023} by Sheryl J. Moore
PRODUCT LINE SALES % CHG/QTR / % CHG/YR All Deferred Annuities $78.61 B -1.41% / 8.53% >Non-Variable Deferred Annuities $54.79 B -2.38% / 12.19% >>Indexed Annuities $23.34 B -7.24% / 11.29% >>Fixed Annuities $495.94 M -1.47% / 9.82% >>Multi-Year Gtd. Annuities $30.95 B 1.63% / 12.91% >Variable Deferred Annuities $23.81 B 0.88% / 0.95% >>Structured […]
I bought an annuity through a direct-to-consumer platform.
{December 8th, 2023} by Sheryl J. Moore
I bought an annuity through a direct-to-consumer platform. The electronic process was very simple. At this point, I am waiting for one of their home office agents to contact me about the case. My inforce 5-year MYGA was renewing at 4.40%. Why would I renew, when I can get a new 5-year MYGA crediting 6.50%? […]
Go in with your eyes wide open!
{December 8th, 2023} by Sheryl J. Moore
Reading an ad, promoting a hybrid index that is used on indexed annuities. I HOPE you know that one of the constituents in nearly all hybrid/engineered/bespoke/volatility-controlled indices is CASH. Index providers control the allocation of funds within the index’s constituents. If the index is heavily weighted toward cash, this WILL have the effect of drag […]
