Second Quarter, 2026 Annuity Sales
{September 2nd, 2026} by Sheryl J. Moore
View Second Quarter 2026 Annuity Sales and Market Trends and visit our Data HQ for additional sales metrics! -sjm
Moore on the Market 9/2/2026
{September 2nd, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 09/01/26: AuguStar Life Insurance Company increased premium bonuses on their Omega Bonus 10, Omega Bonus Plus 10, Observatory Bonus 10 and Observatory Bonus Plus 10 indexed annuities. Bonuses on these indexed annuities now range from 16% – 32%- the (current) highest […]
A fee-based solution from Legacy?!? I have to see this.
{September 2nd, 2026} by Sheryl J. Moore
Well what do you know… My dear friends Lynda Pitts and Preston Pitts of Legacy Marketing Group have forged a new alliance. Legacy Marketing Group® and Malibu Life USA Announce Distribution Partnership for New Fixed Indexed Annuity Platform I am so surprised to hear that it is with my friend, Simpa Baiye at Malibu Life! […]
Moore on the Market 8/25/2026
{August 25th, 2026} by Sheryl J. Moore
Greetings! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 08/25/26: Midland National Life Insurance Company increased GLWB payouts on the Income Planning Annuity indexed annuity. 08/25/26: North American Company for Life and Health increased Guaranteed Lifetime Withdrawal Benefit (GLWB) payouts for select ages on the Income Pay Pro indexed annuity. 08/23/26: Fidelity & Guaranty Life Insurance […]
What have you done for me lately?
{August 25th, 2026} by Sheryl J. Moore
Anyone else over their support for a certain life insurance trade group? This organization sends me MULTIPLE emails every day. Whether it is from my local chapter to their daily newsletter, I am getting bombarded! (There IS such a thing as too much communication.) This association also keeps raising their fees. What have you done […]
“Families Settle Bullying Lawsuits With Southeast Polk Schools.”
{August 25th, 2026} by Sheryl J. Moore
Many of you know about my son, AJ Betts, and the bullying that he faced from kids and teachers alike, while attending Southeast Polk Community School District’s high school. I wanted to fight, but given that I found out I was pregnant two days after burying my son, I was tired. I was depressed. I […]
Moore On the Market, 8/19/2026
{August 18th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 08/17/26: Talcott Resolution Life and Annuity Insurance Company introduced the Balanced Rate Guarantee and Equity Focused preset asset allocation models. Some big changes were announced for their EverGuard Assurance 10’s Guaranteed Lifetime Withdrawal Benefit product: they reduced the […]
I am feeling generous today.
{August 18th, 2026} by Sheryl J. Moore
What the heck. I am feeling generous today. Here’s some free stuff. Wink Annuity Quick Reference
Behind a paywall…
{August 18th, 2026} by Sheryl J. Moore
If I am trying to track the performance of your hybrid index, but it is behind a paywall, how do you expect consumers to analyze your index’s returns? Regulators DO NOT like this. I’d get it fixed, insurance company and index provider. -sjm
Moore On the Market, 8/13/2026
{August 12th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… -sjm ANNUITY 08/11/26: Allianz Life of North America increased the GLWB benefit base bonus on the Allianz Benefit Control+ indexed annuity. 08/10/26: American General Life Insurance Company increased payouts on the Lifetime Income Plus Flex and Lifetime Income Plus Multiplier […]
True down-to-earth leaders are making a big change in their careers soon.
{August 12th, 2026} by Sheryl J. Moore
True down-to-earth leaders are making a big change in their careers soon. My friend Esfand Dinshaw is stepping-down as the CEO and Chairman at Sammons Financial Group Companies at the beginning of the new year. Who’s taking over? My buddy Robert TeKolste, who is currently President of the organization. I can only assume that Sammons […]
Why do rich private equity guys buy sports teams anyhow?
{August 12th, 2026} by Sheryl J. Moore
Very compelling ask, Peter Dziedzic. Why do rich private equity guys buy sports teams anyhow? 🤷🏼♀️ I don’t get it? -sjm
Moore on the Market 8/5/2026
{August 5th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 07/20/26: AuguStar Life Insurance Company launched their AuguStar LunarLock Prime 5 as a proprietary offering for a specific distributor’s shelf. This product has improved rates over the national version of the annuity. 07/27/26: Nationwide Life Insurance Company […]
Moore Market Intelligence 7/29/2026
{July 29th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 07/15/26: Eagle Life Insurance Company discontinued sales on their Lifetime Income Benefit Rider (LIBR) with a 14% rollup GLWB. Meanwhile, on the LIBR 12% rollup GLWB, the company modified their payout factors to be based on issue age […]
Redacted commission statements
{July 29th, 2026} by Sheryl J. Moore
Anyone have some redacted commission statements they can send me (online or Excel)? Trying to see how these are laid out. If you’ve got it, I’ll take ’em. sjm@intelrockstar.com (If you recall, I am still struggling with my LinkedIn Direct Messages.) Thank you! -sjm
The life insurance / annuity industry lost a good one late last week.
{July 29th, 2026} by Sheryl J. Moore
Please keep Karlan Tucker’s family and the team at Tucker Advisors in your prayers. Your Dad always supported me Ashton Tucker. I appreciate the opportunity to have worked with him, your team, and the agents you serve. To #TheAlmightyNetwork– Please share any great stories you have about Karlan. No doubt Ashton, Jason Lechuga and our […]
There is not one single day that goes by without me thinking about my son, my firstborn- AJ Betts.
{July 27th, 2026} by Sheryl J. Moore
Thirteen years ago today, you seemed happy. You gave me a ride home. You hugged me. Did I tell you I love you? I don’t recall. You complained that the kids from school were telling you that you were going to h*ll for being gay. “Do you want me to pull you out of the […]
Moore On the Market 7/22/2026
{July 22nd, 2026} by Sheryl J. Moore
Good evening! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 07/15/26: Eagle Life pulled one of their Guaranteed Lifetime Withdrawal Benefits (GLWBs), modified their payout factors on another, and changed their GLWB pricing so that issue age and years in deferral are both taken into consideration in their new payouts. […]
Let’s make sure we are seeing the forest through the trees.
{July 22nd, 2026} by Sheryl J. Moore
Agents, be advised… If your client is paying 1.00% a year for a premium bonus, rate buy-up, rider fee, etc., you need to analyze the product. *****At the end of year 10, those charges have accrued to exceed 10%.***** Is the net premium bonus considerably higher than 10%? Did the client earn an additional 10% […]
FMO Q&A
{July 22nd, 2026} by Sheryl J. Moore
I was recently working with someone who didn’t realize that I have experience working with Field Marketing Organization (FMO) distribution. In fact, I crafted an article for those interested in the FMO channel, seven years ago. Read FMO Q & A via LinkedIn A couple of updates need to be noted: 1. As of 2025, […]
Ironic.
{July 22nd, 2026} by Sheryl J. Moore
Oh, Terry Savage, I couldn’t help but SMH at this one. Read Ending an annuity via TerrySavage.com You suggest to your reader, “Whoa! There’s an awful lot you don’t know — not only about annuities, but…” Ironic. I feel compelled to comment, that if you are going to opine on annuities in a public domain, […]
Moore on the Market 7/15/2026
{July 15th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 07/15/26: AuguStar launches their Observatory indexed annuity series. What’s interesting about the products? Annuitants can choose from asset allocation models or individual indexing options. Most of the rates on these annuities are guaranteed for the contract term. Look […]
Proof that we’re not just data aggregators?
{July 15th, 2026} by Sheryl J. Moore
Wink, Inc. has got the intel you need! 😉 Proof that we’re not just data aggregators? *****Data Nerds***** Our team has nearly two centuries of combined experience in the annuity and life insurance markets. We’re product experts who understand the nuances and complexities of the products we track. *****Insurer Besties***** We maintain relationships with the […]
It could be a game-changer.
{July 10th, 2026} by Sheryl J. Moore
Most of you know that I lost my oldest child, and (then) only son, to suicide nearly 13 years ago. Last week, I revealed that about a month or so ago, my home was transformed to accommodate my dying mother-in-law’s needs, while she was in hospice; sadly, she passed away on July 9th. It is […]
Moore on the Market 7/8/2026
{July 8th, 2026} by Sheryl J. Moore
Good morning! Here’s the latest annuity/life product news, delivered FREE to your inbox… Please excuse a lighter edition this week. I am periodically away from the office this week while caring for a loved one in hospice. -sjm ANNUITY 07/07/26: Ceres Life reduced GLWB payouts on their Graybar IncomePlus fixed indexed annuity. LIFE 06/29/26 […]
How do you show your support for a spouse that is losing a parent?
{July 7th, 2026} by Sheryl J. Moore
How do you show your support for a spouse that is losing a parent? You may have wondered what’s been up with my infrequent posts. I have news piled-up for days…well- For the past 28 days, my mother-in-law (MIL) has been in a fight for her life. She started at the hospital. Was discharged. Returned […]
Moore on the Market 7/1/2026
{July 1st, 2026} by Sheryl J. Moore
Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… ANNUITY 06/22/26: American General Life increases the attractiveness of their Lifetime Income Plus Flex Guaranteed Lifetime Withdrawal Benefit (GLWB), their Lifetime Income Plus Multiplier Flex GLWB, and their Lifetime Income Choice GLWB available on the select indexed annuities. 06/29/26: […]
Wink, Inc. literally reports on over a million data points today!!
{July 1st, 2026} by Sheryl J. Moore
I am inspired by a competitors’ recent press release “…the industry’s LEADING SOURCE of annuity rate and product data?” ************************Wink, Inc.‘s AnnuitySpecs tool************************ __________________________________________________________________________________ _________________________________________________________________________________ “…over 250,000 advisors use [competitor’s] annuity data to research and compare annuity products today…” Wink, Inc. serves over 600,000 insurance companies, field marketing organizations, brokerage general agencies, national B/Ds, independent […]
There are so many unknowns at this point.
{July 1st, 2026} by Sheryl J. Moore
Heads up! Monumental news ahead- The National Association of Insurance Commissioners (NAIC) is exploring whether field marketing organizations (FMOs) and brokerage general agencies (BGAs) should have to disclose their compensation. See here: https://content.naic.org/committees/a/life-insurance-annuities-cmte Does that mean merely overrides? How about hurdles/incentive compensation? And index fees- will they be spared? How about national overrides- will they […]
Moore on the Market 6/24/2026
{June 24th, 2026} by Sheryl J. Moore
ANNUITY Good morning! Here’s the latest life/annuity product news, delivered FREE to your inbox… 06/22/26: American General Life increased the competitiveness of their Lifetime Income Plus Flex GLWB and their Lifetime Income Plus Multiplier Flex GLWB, which are available on the Power Select Advisory and Power Select Plus Income fixed indexed annuities. They also made […]
Storytelling at it’s finest!
{June 24th, 2026} by Sheryl J. Moore
By FAR my most favoritest Gary Mettler storytelling ever, below! SO pleased that Curtis V. Cloke, LUTCF, CLTC, RICP can join the convo! 👏🏻👏🏻
The Butler House on Grand
{June 24th, 2026} by Sheryl J. Moore
My bed-and-breakfast is for sale! (On to the next real estate investment…) See “The Butler House on Grand” -sjm
I have outsourced the matter of horn-tooting.
{June 23rd, 2026} by Sheryl J. Moore
You guys/gals know how bad I am about tooting my own horn when it comes to Wink, Inc.. This time, I have outsourced the matter of horn-tooting. hashtag#NotKidding Check-out Justin Woodbury‘s giveaway, below. It only costs FREE NINETY-NINE! -sjm
Was it worth it? I don’t know yet.
{June 17th, 2026} by Sheryl J. Moore
There is not enough information in this article to make a judgement or suggest a “better” strategy. However, I found it interesting. You will recall that historically this media source was known as “National Underwriter.” It was a news magazine that catered to the life insurance and annuity markets. I found it to be immensely […]
It is a light read, and dare I say- at times “funny?”
{June 17th, 2026} by Sheryl J. Moore
Here’s your regular monthly reminder that if you have prospects that are considering indexed annuities- my personal experience may help out. “Why I Bought Indexed Annuities” is my own account of my first indexed annuity purchase. It is a light read, and dare I say- at times “funny?” Join the crowd, and buy the book […]
Is that even his voice?
{June 17th, 2026} by Sheryl J. Moore
What?!? Is that even Tracy Morgan’s voice? I must be ignorant. I thought that the infinite banking concept was reserved for cash value life insurance. Any thoughts? -sjm
Ummm, what is a “fee credit?!”
{June 17th, 2026} by Sheryl J. Moore
Annuity.org: Account Value is the gross cash value of an annuity contract, which would be payable to heirs with most deferred annuities. On the other hand, the Cash Surrender Value is the amount the annuitant would receive in the event of a cash surrender of the contract. It also bears noting that the Benefit Base […]
Indexed-annuity crusader
{June 17th, 2026} by Sheryl J. Moore
Wink’s Moore on the Market: Found this little gem from InvestmentNews in 2009, Indexed Annuity crusader while researching some stats this morning- “Sheryl J. Moore is mad as hell at the media, and she’s not going to take it anymore.” Correcting annuity media for 25 years…and still going! -sjm
First Quarter, 2026 Life Sales
{June 10th, 2026} by Sheryl J. Moore
View First Quarter 2026 Life Insurance Sales and Market Trends and visit our Data HQ for additional sales metrics!
While much of what was said in this post IS true, there are a couple of misunderstandings.
{June 10th, 2026} by Sheryl J. Moore
My friends know that I have the The White Coat Investor on my list of insurance companies that can’t get insurance quite right. In this installment, Brandon Beaber advises on indexed universal life (IUL). While much of what was said in this post IS true, there are a couple of misunderstandings. THEY SAY: The credited […]
If you haven’t seen it yet…
{June 10th, 2026} by Jamie Johnson
If you haven’t seen the Wink, Inc. press release for first quarter annuity sales, check it out. Shout out to John Hilton for showing some annuity love! -sjm …………………………………………. Wink: Flat first-quarter annuity sales fall just short of $100B Total annuity sales for the first quarter were flat year over year, Wink, Inc. reported […]
I am very passionate about this because so few Americans know what an annuity is, much less what it is used for.
{June 10th, 2026} by Sheryl J. Moore
It is hard to believe that it has been 11 YEARS since I worked with my former governor, to declare June “National Annuity Awareness Month.” I am very passionate about this because so few Americans know what an annuity is, much less what it is used for. We need to change the narrative around annuities. […]
If you look too young to be in college, please don’t buy an IUL (not kidding- I did).
{June 10th, 2026} by Sheryl J. Moore
I am certain that I am going to ruffle some feathers with this one. “Who should NOT buy an IUL?” For starters- this girl. https://www.youtube.com/watch?v=5lNoUTxx2m4 If you look too young to be in college, please don’t buy an IUL (not kidding- I did). “There are people in this industry that would sell IUL to ANY […]
They love it!
{June 10th, 2026} by Sheryl J. Moore
Here’s your public announcement… If you have indexed annuity prospects, they LOVE my book, “Why I Bought Indexed Annuities.” -sjm https://www.mooremarketintelligence.com/publications/books/
First Quarter, 2026 Annuity Sales
{June 3rd, 2026} by Sheryl J. Moore
View First Quarter 2026 Annuity Sales and Market Trends and visit our Data HQ for additional sales metrics!
May 27th is the 21st anniversary of my small business
{June 3rd, 2026} by Sheryl J. Moore
I didn’t start this business because I dreamed of being an entrepreneur. I did it because I lost my job. I remember then- Being so scared about not knowing where my next paycheck was coming from. Having anxiety because my little boy needed his most invasive surgery (yet), like yesterday, and I had no health […]
It is 112 pages of data nerd fodder
{June 3rd, 2026} by Sheryl J. Moore
I just released the 1Q2026 annuity edition of “Wink’s Sales & Market Report.” It is 112 pages of data nerd fodder; over 65,000 data points as well as endless commentary. Anyhow… I am pretty tired. I think I’ll go home now. Check it out! -sjm
I owe you tremendous thanks
{June 3rd, 2026} by Sheryl J. Moore
Have I ever told you that I am a horrible fundraiser? I mean, I’ve had this unfunded non-profit- SOCIETY FOR ANNUITY FACTS & EDUCATION SAFE INC, (SAFE, but I like to say “Simplifying Annuities For Everyone”) sitting on a shelf for like 15 years. I cannot get people to donate to it! But do you […]
It most definitely matters to the annuitant, however.
{May 27th, 2026} by Sheryl J. Moore
No, it does not matter to the field marketing organization or agent if the annuity has a Market Value Adjustment (MVA). It most definitely matters to the annuitant, however. *****************************Let’s talk about MVAs.***************************** This is an annuity feature that is often attached to deferred annuities, which could increase or decrease the Cash Surrender Value of […]
I am in disbelief that it took some of these companies more than a year to comply with my requests
{May 27th, 2026} by Sheryl J. Moore
Remember my 69-year-old Dad, who is a 20-year veteran of the U.S. Navy? You will recall that he was confined to a nursing home because of his Alzheimer’s a year ago, in April. Well, I have to thank #TheAlmightyNetwork. THANK YOU! Because of all of you, I was able to get guardianship and conservatorship of […]
There ARE legitimate uses for life insurance and annuities.
{May 27th, 2026} by Sheryl J. Moore
Dear financial planners, Life insurance is not an investment. Buy term and invest the difference is a failed strategy. Annuities are not a product that are intended to maximize outperform equities. Stocks and a bond fund cannot provide a guaranteed income floor. There ARE legitimate uses for life insurance and annuities. AND a great number […]
I have some thoughts on this that I must keep to myself.
{May 20th, 2026} by Sheryl J. Moore
I have some thoughts on this that I must keep to myself. That said, it is significant that Magellan Financial & Insurance Services, Inc. is adding 175 people to staff. Is Topeka REALLY the insurance capital of the U.S.? From a distribution standpoint, this is obviously the case. Congratulations to Jarrod Florence and the team […]
So, you can imagine my surprise, when I read the following article.
{May 20th, 2026} by Sheryl J. Moore
In case you didn’t notice, I was on vacation all of last week. So, you can imagine my surprise, when I read the following article, “NAIC annuity guidance updates divide insurance and advisory groups.” Insurance and financial planning groups are clashing over whether and how regulators should expand guidance tied to the National Association of […]
One of the biggest objections has been addressed
{May 20th, 2026} by Sheryl J. Moore
One of the biggest objections that I get from insurers about structured annuities/RILAs has been uniquely addressed by my buddies Lance Sparks and Jason Kestler, CLTC. Check it out- https://bdlaunchpath.com/
SELLING LIFE INSURANCE ON KIDS IS A SCAM?
{May 14th, 2026} by Sheryl J. Moore
“SELLING LIFE INSURANCE ON KIDS IS A SCAM.” I have heard this probably at least 100 times over the past 27 years. I never have understood it. Even less so now. You see- the first time I did hear this, I had already purchased life insurance on my (first) three young children. As a single […]
We cannot do this without your help, which is why I am here, making a plea on behalf of Marcia
{May 14th, 2026} by Sheryl J. Moore
You NEED to know my friend, Marcia. You see, I met Marcia because I worked with a great guy named Vince Lozada, while employed by AmerUs Group (for those of you younger than I, they are called Athene today). One time, I went down to talk with Vince, and his wife was there. She was […]
I am relieved you are not my advisor
{May 14th, 2026} by Sheryl J. Moore
I am a market researcher and don’t mean this in an offensive manner at all, but I am relieved you are not my advisor, Frank Iozzo, CPWA®. I am worried about running out of money in retirement. I want at least 100% “probability” that I will get a paycheck of $X every month, once I […]
In case you didn’t know…
{May 7th, 2026} by Sheryl J. Moore
Brookfield Wealth Solutions (BWS) completed its acquisition of American Equity Investment Life Holding Company (AEL). They subsequently merged AEL with American National, the parent company of the existing American National insurance operations. This new, combined entity was renamed “American National Group, Inc.” -sjm
I won’t paint this product with one big brush.
{April 30th, 2026} by Sheryl J. Moore
Today’s indexed annuity rant- “…indexed annuity’s ability to offer market-linked upside with principal protection is particularly attractive.” Oh yes! Market-linked upside that is limited. Market-linked upside that provides 250% of the growth in a market that is at record highs. Market-linked upside which may wane each year you own the annuity. Market-linked upside that is […]
Makes for interesting conversations
{April 30th, 2026} by Sheryl J. Moore
Want to know a little more about me? I turned 50 a couple of months ago. #ProudAARPCardholder I am married to The Hottest Man Alive. #GradeSchoolSweethearts I have worked in life insurance/annuities for 27 years. #UsedToBeTheYoungestPersonInTheRoom I am OBSESSED with the Beastie Boys! #Intergalactic I have five children (but lost my eldest to suicide 13 […]
Today, they laid off about another 25% of their remaining staff.
{April 22nd, 2026} by Sheryl J. Moore
Remember just before the close of 2025 when I told you about that marketing organization, that is purportedly failing, and had laid off about 25% of their employees? >>>>>>>>>>>>>>>>Well, they are at it again!<<<<<<<<<<<<<<<<<< Today, they laid off about another 25% of their remaining staff. Based on the intel that I am receiving, they went […]
I want your best argument on why this is not a great time to sell indexed annuities.
{April 22nd, 2026} by Sheryl J. Moore
The S&P 500 and NASDAQ are at all-time highs. I want your best argument on why this is not a great time to sell indexed annuities. Let’s GO! Join in the LinkedIn conversation here.
Great examples of people who could have potentially benefited from annuities
{April 22nd, 2026} by Sheryl J. Moore
Excellent points, Tom Hegna! Great examples of people who could have potentially benefited from annuities. -sjm
Grandmaster of annuities!
{April 14th, 2026} by Sheryl J. Moore
Today, I feel blessed by Dr. John Terry. Each time I have done a keynote for Legacy Marketing Group, I have had the pleasure of getting to know him a little better. He helps Field Marketing Organizations to grow their value proposition, aid with coaching, mentoring, sales, marketing, business development and practice management. He is […]
But are they going to demutualize?
{April 14th, 2026} by Sheryl J. Moore
Now this seems reminiscent of the ’90’s.. Mutual of Omaha is now organized as a mutual holding company structure, rather than a mutual insurer. See Mutual of Omaha completes shift to mutual holding company structure via Insurance Business. “Under the new structure, Mutual of Omaha Insurance Co. has been reorganized as a stock insurer wholly […]
So please, the next time you compare us, be aware of the differences.
{April 7th, 2026} by Sheryl J. Moore
One thing that I get extremely tired of is people comparing Wink, Inc. to a certain unnamed industry market research firm. We are different! They provide meetings. We provide product information. They provide sales of products other than life insurance and annuities. We provide sales by product, by distribution. You get the idea. That said, […]
For those of you who have loved someone affected by cancer, would you share with me your best tips for how to be helpful during a time like this?
{April 1st, 2026} by Sheryl J. Moore
I have a friend that recently found out that she has inoperable pancreatic cancer. I have had a relationship with her for a little more than 25 years. We are about the same age. She has four adult children. She is a teacher. She is an amazing woman. I have been praying for her and […]
Data HQ
{April 1st, 2026} by Sheryl J. Moore
Remember when I told you that I was going to give you more free stuff than you can shake a stick at? Well, the lie detector test determined THAT was a lie! Check out the new page we developed to highlight our quarterly sales information: Data HQ (SN: Once we roll-out the new/improved website, this […]
Did you know that whole life has benefits that are called “non-forfeiture options?
{April 1st, 2026} by Sheryl J. Moore
For those of you trying to learn more about whole life insurance… Did you know that whole life has benefits that are called “non-forfeiture options?” These are benefits that prevent a cash value policy from lapsing due to nonpayment of premiums. Common non-forfeiture options (NFO) include- 1. Reduced paid up insurance: uses the cash value […]
I was all in, baby! Teach me things that I may not know about annuities!
{March 25th, 2026} by Sheryl J. Moore
Twenty-five years ago, I was working for the #1 seller of indexed life insurance and indexed annuities. My company had a special relationship with Roger McCarty – the founder of Brokers International; which was the first marketing organization in the annuity industry. Roger was a visionary. He helped me to understand the role […]
Fourth Quarter, 2025 Life Insurance Sales
{March 18th, 2026} by Sheryl J. Moore
View 4th Quarter, 2025 Life Insurance Sales and Market Trends and visit our Data HQ for additional sales metrics!
Is researching indices an agent’s responsibility?
{March 18th, 2026} by Sheryl J. Moore
Charlie Gipple, CFP®, CLU®, ChFC® has a lot to say about hybrid indices on indexed insurance products. He and I are aligned on the fact that 200% of 1% is still just 2%. Insurance companies like to point-out their uber-high participation rates on these indexes. However, there is very little training on their construction, performance, […]
I guess I am a data nerd.
{March 18th, 2026} by Sheryl J. Moore
I am about to give you more free stuff than you can shake a stick at. Check out our fourth quarter, 2025 sales of annuities, here. – sjm
Fourth Quarter, 2025 Annuity Sales
{March 12th, 2026} by Sheryl J. Moore
View Fourth Quarter, 2025 Annuity Sales and Market Trends and visit our Data HQ for additional sales metrics!
WHY DON’T NATIONAL B/Ds LIKE LIFE INSURANCE?
{March 12th, 2026} by Sheryl J. Moore
I don’t get it. Full service national B/Ds sell life insurance. However, there is more direct response sales of life insurance than there are independent B/D sales. WHY DON’T NATIONAL B/Ds LIKE LIFE INSURANCE? Please help a sista out! – sjm Join in the LinkedIn discussion here.
Hot tip
{March 12th, 2026} by Sheryl J. Moore
Indexed annuities may earn ZERO interest when the market takes a dive. There is no loss in value, as a result of the market’s performance. The icing on top? Purchasers have an opportunity to “cap out” when the market recovers. (Or, receive a potentially better opportunity for for gains with a participation rate, which has […]
We didn’t change any minds, but hopefully presented some compelling bullets on the use of annuities.
{March 5th, 2026} by Sheryl J. Moore
It was interesting to see a case study where two fee’d planners view annuities Beyond The IMO. We didn’t change any minds, but hopefully presented some compelling bullets on the use of annuities. P.S. No surprise that Tom Hegna really dropped some knowledge! Check out the podcast, here.
I am grateful that I have all of your support. Whaddaya say we stick around another 20 years or so?
{March 5th, 2026} by Sheryl J. Moore
So, this is 50. THE BAD My hair is thinner. My skin is crepey. My fingernails have ridges. I have to take calcium. THE GOOD My family is healthy. My employees are friendly, hard-working folks. I love what I do, every day. THE UGLY Brain fog is a REAL thing! That said, I can […]
When are we going to see an insurance company guarantee their rates on an IUL product?
{March 5th, 2026} by Sheryl J. Moore
So, when are we going to see an insurance company guarantee their rates on an indexed universal life product? (Realizing there are levers to push/pull to control the risk, but I thought I’d ask!) -sjm Join in the LinkedIn conversation HERE
I am excited to dig into this one
{March 5th, 2026} by Sheryl J. Moore
Bored? Getting tired? In that mid-day slump? Don’t worry…I’ve got the cure for what ails you. The folks over at Annexus Group have forged a relationship with Americo Financial Life and Annuity. Read their news release here. I am still reading through the filing, but I am interested to see if this product will cannibalize […]
Is that a thing?
{February 25th, 2026} by Sheryl J. Moore
I have to tell you…I’ve never heard of an insurance company informing policyholders that their agent has been terminated. Is that a thing? InsuranceNewsNet reports- “A newly filed lawsuit in South Carolina alleges that Pacific Life continued accepting more than $1 million in premium payments tied to indexed universal life policies after terminating the agents […]
Beyond the Product: Annuities and the criticism around them
{February 18th, 2026} by Sheryl J. Moore
Well, this is sure to be an epic podcast… Looking forward to joining Justin Woodbury and Tom Hegna; and to setting it straight about annuities with Philip Olson. -sjm
Wouldn’t it be fantastic if people knew about annuities
{February 17th, 2026} by Sheryl J. Moore
Can I just give a shoutout to Brighthouse Financial for flooding the streaming services with commercials about annuities? Wouldn’t it be fantastic if people knew about annuities and were able to make a choice on whether it is right for them or not? -sjm Join in the LinkedIn discussion here.
Stop developing complicated product features, just for the sake of “innovating!”
{February 11th, 2026} by Sheryl J. Moore
Come ON, insurance companies! Help me out. Let’s stop developing complicated product features, just for the sake of “innovating!” I am a true believer in “blue ocean strategies,” but this is getting ridiculous… ARGH! (P.S. This message was brought to you by an established seller of indexed annuities.) -sjm Join in the LinkedIn discussion […]
Posted a meme and the comments started flying
{February 11th, 2026} by Sheryl J. Moore
This is a first for me. I will be joining a podcast with someone that has a negative perspective of annuities. I am not sure I will change any minds, but I am hopeful to provide an accurate perspective of what annuities can offer. I’ve asked that my good friend Tom Hegna join me, just […]
“Bad” annuities
{February 3rd, 2026} by Sheryl J. Moore
Interested to know… How many people think that “bad annuities” will not be approved by an insurance commissioner? Join in the discussion on LinkedIn, click here.
Twenty-nine years ago
{January 27th, 2026} by Sheryl J. Moore
Twenty-nine years ago, on January 24th, I became a Mom. It has been nearly 13 years since he left me. Happy Heavenly birthday, my son. 💙 -sjm
Just wondering how they feel about the inaccuracies in this piece.
{January 20th, 2026} by Sheryl J. Moore
Last I checked, AARP was a paid promoter annuities from New York Life Insurance Company. Is that no longer the case? ChatGPT says they are still aligned, but this article, The Most Popular Annuities, Explained, makes it appear they are not. This article’s comparisons of indexed annuities to the stock market is completely inappropriate. Annuities […]
We aren’t innovating annuities in a vacuum folks.
{January 20th, 2026} by Sheryl J. Moore
If your grandmother was going to be contract holder #1 with your new indexed annuity product, would you feel comfortable with her buying it? Examples: 1. I mean if there is a ten-year surrender charge schedule, but the vesting schedule on the bonus runs for a much longer period… 2. I am talking about if […]
The BEST way to reach me
{January 20th, 2026} by Sheryl J. Moore
I try to be as responsive as I can on LinkedIn. That said, I do run three businesses, a non-profit and a bed-and-breakfast. AND- I have nearly 30,000 followers that I regularly engage with here. I email every connection that I have on this platform. When my son took his life, I promised my family […]
Has this issue ever occurred here, in the States?
{January 20th, 2026} by Sheryl J. Moore
I have a friend who could use our help. He came across this article, “Hundreds of thousands risk being denied life insurance payouts,” with some questions. Note that this article is from the EU, however, he is wondering if the same issue with these life insurance policies has ever occurred here, in the States. Essentially, […]
Please, let’s get a conversation going about the best books for those in the life insurance and/or annuity market
{January 13th, 2026} by Sheryl J. Moore
Had a call with Jack Mohr, MBA and Corey Thomas with Magellan Financial & Insurance Services, Inc. today. (SN: David Byers would be impressed with them!) They had questions about what the best books are to read in the life insurance/annuity industry. I suggested “Paychecks and Playchecks” from my dear friend Tom Hegna. I also […]
I learn from you every day.
{January 13th, 2026} by Sheryl J. Moore
I want to thank my LinkedIn’s #TheAlmightyNetwork. I learn from you every day. I get the opportunity to see this business, through your eyes. I am blessed to be able to introduce you all to one another, when it makes sense. I post content, and you ENGAGE. I am a better human for it. You […]
I have my feelings on this, but I am eager to hear your response to that opinion!
{January 6th, 2026} by Sheryl J. Moore
Technically, Alexander Clark with MSN is not correct. Read at MSN: Is an annuity worth it? Here’s what Dave Ramsey says “Some annuities are built mainly for accumulation, others for guaranteed payouts, and some try to do both.” Actually, ALL annuities offer “guaranteed payouts.” Every single one of them. In this piece, Alexander discusses Dave […]
THINGS WILL NEVER BE THE SAME WITHOUT MY SON.
{January 6th, 2026} by Sheryl J. Moore
>>>>>>>>>>>I lost a lot when I lost my son to suicide.<<<<<<<<<<<< ************************** *I lost my concept of time.*************************** I don’t even know what things happened before, or after, AJ Betts took his own life. ********************************I lost my friends.******************************** I am not certain if that has to do with your friends not wanting to think that […]
State of Annuities with the “Annuity Rockstar”
{December 23rd, 2025} by Sheryl J. Moore
I always love getting my podcast on! Especially with my dear friend Dr. John Terry of Legacy Marketing Group… Check it out here! -sjm
He will leave quite the legacy at this FMO and B/D…
{December 23rd, 2025} by Sheryl J. Moore
My dear friend and valued colleague Mark Williams is moving-on from Brokers International. I don’t know where he is going, nor what he will be doing. What I DO know is that he transformed the sales, culture and people at BI. He changed insurance. He will leave quite the legacy at this FMO and B/D… […]
Hard to believe that I met them 20 years ago…
{December 23rd, 2025} by Sheryl J. Moore
Wink’s Moore on the Market: I still remember my first time visiting the EquiTrust Life Insurance Company home office. Hard to believe I met Ana Bumgardner and Heather Kane twenty years ago… Congratulations on the promotions, ladies! VERY well-deserved! -sjm
Instead of of letting her grief consume her, she instead channeled it into something positive.
{December 23rd, 2025} by Sheryl J. Moore
Today, I celebrate this girl. My heart. My youngest daughter. She was alone at home with AJ, when he took his life. Instead of of letting her grief consume her, she instead channeled it into something positive. She enlisted in the Iowa National Guard at age 17. By 19, she was already a sergeant. She […]
I am a HUGE believer in sharing things like this, as it can help others by sharing.
{December 9th, 2025} by Sheryl J. Moore
I have made a lot of mistakes in my business over the past 20+ years. A lot. Here’s just a few that come to mind: 1. Choosing the wrong accountants, and not finding a CPA that is worth every penny I pay them; 2. Developing imposter syndrome after the CMO of one of the biggest […]
We appreciate the recognition of Wink and our data!
{December 9th, 2025} by Sheryl J. Moore
Sharing this because it is too funny not to share. Jay Judas is a social media icon. Not to mention that he is an expert on HNW life insurance… Follow him! You won’t be regret it. There isn’t a “global holdings group” yet! We appreciate the recognition of Wink and our data! -sjm
Giving Tuesday
{December 9th, 2025} by Sheryl J. Moore
What non-profit did you support on Giving Tuesday? I totally forgot to post, but am always curious about new/different nonprofits where I could make a difference. I’ll start. My donation went to It Gets Better. My son was gay and bullied. He took his own life in 2013. It Gets Better could have helped AJ. […]
THIRD QUARTER 2025 LIFE INSURANCE SALES
{December 4th, 2025} by Sheryl J. Moore
All Life Sales for the third quarter of 2025 were $2,832 million, compared with $2,744 for the third quarter of 2024. Third quarter life sales were down nearly 4% when compared to the previous quarter and up more than 3% as compared to the same period last year. All life products include indexed universal life […]
But today, I choose thankfulness.
{December 4th, 2025} by Sheryl J. Moore
For those of you who didn’t know, I used to be homeless. I was pregnant with my first child, my AJ. ❤️🩹 I was unable to work because of my high risk pregnancy. My ex-husband didn’t have half the work ethic I have. My car was repossessed. I was couch surfing courtesy of people I […]
Third Quarter, 2025 Annuity Sales
{November 26th, 2025} by Sheryl J. Moore
All Annuity Sales Sales for the third quarter of 2025 were $117,069 million, compared with sales of $115,267 million for the third quarter of 2024. Third quarter annuity sales were up nearly 2% when compared to the previous quarter and up nearly 2% when compared to the same period last year. All annuity sales include […]
MSN- do better.
{November 26th, 2025} by Sheryl J. Moore
Hidden fees! Confusing terms! EXHORBITANT withdrawal penalties! My dad bought an annuity he didn’t understand, and now he’s stuck with high fees and no way to access his savings without massive penalties. What now? Oh, MSN– when you attest that “here’s how you can help him navigate this financial nightmare and avoid losing even more […]
I believe in the lost art of the handwritten note.
{November 26th, 2025} by Sheryl J. Moore
I believe in the lost art of the handwritten note. Don’t they make you feel happy, when you receive them? That is absolutely how I feel. I mean, who goes out of their way to communicate with others these days? There is something so intimate and special about receiving these notes, which are unmatched by […]
This is how it came to be known as the “10/10” rule.
{November 26th, 2025} by Sheryl J. Moore
Just so you know… There was a HUGE problem with high commission, long surrender charge, high bonus annuities just before/after the turn of the century. Seniors were being taken advantage of using these products, which were often indexed annuities. That got regulators’ attention. In response, just before 2005, I started to see individual states begin […]
Friends in the FMOs– how are sales?
{November 26th, 2025} by Sheryl J. Moore
How are fourth quarter annuity sales doing from my friends in the Field Marketing Organizations (FMOs)? Are sales up or down? Join in the LinkedIn conversation here.
I have heard that things there are dysfunctional, but this is bananas.
{November 26th, 2025} by Sheryl J. Moore
An article about Northwestern Mutual‘s recruiting and training of new agents… ‘Friends end up blocking you’: Northwestern Mutual sold college grads a dream job. They left in ruin and debt I have heard that things there are dysfunctional, but this is bananas. Everyone has likely heard of this: A college grade attended his NWML “interview […]
Business Innovators Radio network
{November 26th, 2025} by Sheryl J. Moore
Last week, I was interviewed by Mike Saunders, MBA on Influential Entrepreneurs. Click HERE to listen in! While I don’t need the help with credibility (something I’ve somehow acquired over the past 26 years), some of you may. Mike is a brilliant marketing mind, and can help. -sjm
No doubt the folks at American Equity will never forget you, nor will I.
{November 18th, 2025} by Sheryl J. Moore
A longtime friend, of a great many years, died recently. I just found out. Kirby Wood– you will be missed. No doubt the folks at American Equity will never forget you, nor will I. You were adored by many. Let’s share our favorite memories of Kirby! My favorite was after a speaking event (for whom […]
Applying for a job? If the CEO gives you instructions, follow them.
{November 12th, 2025} by Sheryl J. Moore
If you are in the market for a job, pay attention: 1. Send your resume in Adobe. Edited**Found out this may not be beneficial if not all applicant tracking systems can read a PDF. (Not only does Word show who ACTUALLY drafted your resume, but PDFs are the cool kid when it comes to forwarding […]
Why? Because I am hiring. Again!
{November 4th, 2025} by Sheryl J. Moore
I could really use the help of #TheAlmightyNetwork, if you all are amenable. Why? Because I am hiring. Again! I am looking for an administrative employee who has some experience in the life insurance/annuity space. I need an employee that doesn’t mind repetitive work and has attention to detail. This person must be cool to […]
And just who is policing them?
{October 28th, 2025} by Sheryl J. Moore
I know I am going to get a lot of hate mail for this, but I have to agree with Bruce Kelly‘s (of InvestmentNews‘) position on this piece. Financial advice cockroaches have plenty of life selling insurance Are “cockroach” bad brokers moving to the insurance industry when they get caught? YES, they are. And just […]
Timing truly IS everything!!
{October 28th, 2025} by Sheryl J. Moore
Aspida is a relative newcomer to the annuity business. Three years ago, they entered the market with a technology-first mindset. That paid-off BIG time, when rates on annuities more than doubled, just three quarters after their market entry. Where some insurers were taking six weeks to get eyes on an app, Aspida was issuing on […]
Refreshing
{October 22nd, 2025} by Sheryl J. Moore
Saw this post from Steve Stern at Zaghorn, and it surprised me. He says that “giving clients a smoother journey without missing the momentum that drives returns” on volatility controlled indices (featured on indexed insurance products) is the goal. NICE to see someone promoting the fact that these indices are intended to smooth-out market-linked returns, […]
It’s always disappointing with a media outlet has things like this brought to their attention, but stays the course
{October 22nd, 2025} by Sheryl J. Moore
I had a couple of exchanges with a journalist last week, regarding a piece that he wrote on SPIAs. He said: “Once you purchase an ANNUITY, the money you receive comes from a series of payments, and you can’t withdraw from the investment as you would with a bank account.” I said: Not true if […]
Errors & Ommissions (E&O) insurance companies, and your experiences with them?
{October 22nd, 2025} by Sheryl J. Moore
Can you share with me some Errors & Omissions (E&O) insurance companies, and your experiences with them? Join in the LinkedIn conversation here. I have a friend that is in need of help. Thanks! -sjm
So, what’s their secret? I’ll never tell.
{October 15th, 2025} by Sheryl J. Moore
The news about iPipeline may not get your attention on this article, as much as the news of Axonic Insurance partnering with LIBRA Insurance Partners on their new VantagePoint MYG annuities. Axonic Insurance Adds iPipeline’s AFFIRM® to Automate Annuity Sales Lifecycle, Introducing a New Proprietary Product for IMO Market in Conjunction with LIBRA And who […]
What was the first ever annuity product and insurance carrier you sold?
{October 15th, 2025} by Sheryl J. Moore
I have a great friend in my network and he wants to do some market research. I thought I’d help out. “What was the first ever annuity product and insurance carrier you sold?” Go! Jump in the conversation on LinkedIn. -sjm
My thanks to my good friend Paul Feldman at InsuranceNewsNet for this one.
{October 8th, 2025} by Sheryl J. Moore
Need someone to demystify the indexed insurance marketplace for you? I’m your huckleberry. A couple of takeaways on this piece by Paul Feldman, Demystifying the index marketplace- with Sheryl Moore In regard to hybrid indices- “There aren’t a lot of indexes that have that long a history on them. And, quite frankly, the illustrative rates […]
There will be a gaping hole in the life insurance competitive intel community when he leaves
{September 30th, 2025} by Sheryl J. Moore
A great leader in the world of competitive intelligence is retiring next week. Peter Crawford helped me to be who I am today. Not only has he been a mentor, but I’ve been friends with him for more than 20 years. Peter- there will be a gaping hole in the life insurance competitive intel community […]
And let’s keep it real- we don’t make it especially easy for new insurance agents to get up and running in this business.
{September 30th, 2025} by Sheryl J. Moore
I have always been appreciative of multi-level marketing organizations. They are doing something no one else is doing: bringing new blood into the life insurance/annuity field force. And let’s keep it real- we don’t make it especially easy for new insurance agents to get up and running in this business. Instead of bashing these insurance […]
I joined in on “Inside the Exchange”
{September 23rd, 2025} by Sheryl J. Moore
Watching this podcast today was HILARIOUS to me! See if you can spot my snafu (hint: you need to watch it to the end!). Thanks for the giggle today, Michael Kazanjian. Keep up the innovation at FIDx!! -sjm
A whopping 9.00% last more than four years
{September 23rd, 2025} by Sheryl J. Moore
How many insurance agents are still in this business, four years after they started in business? Paul LaPiana, CFP® at MassMutual says a whopping 9.00%. 9.00%!!! And there are very few companies that are bringing in new agents, and training them. The leaders in training are still out there: Northwestern Mutual, New York Life Insurance […]
How will life insurance be distributed 10 years from now?
{September 23rd, 2025} by Sheryl J. Moore
My friend Todd Allen, MSM, CLU®, ChFC®, AIF® wanted me to post the following question: “With some projecting 70% of productive agents now being over age 55, and retiring in 10 years, how will life insurance be distributed 10 years from now? Does anyone know of any carriers asking themselves this uncomfortable question and exploring […]
Meet PicklePants, the dog with better plans.
{September 23rd, 2025} by Sheryl J. Moore
PicklePants doesn’t like to come to work with me anymore. She loves Willow (right) and Woodrow (left) too much to leave them. Just a seven-pound dog pic, to cheer up your day! -sjm
The two new series of indexed annuities both offer the option to guarantee the rates for the term
{September 23rd, 2025} by Sheryl J. Moore
Pacific Life is replacing 60% of its indexed annuity portfolio with some new products. The two new series of indexed annuities both offer the option to guarantee the rates for the term (you will remember that Pac was one of the first two insurance companies to offer this option). While Pac says this feature is […]
New series that caught my eye
{September 23rd, 2025} by Sheryl J. Moore
Prosperity Life just launched a new series of indexed annuities. Things that caught my eye: – 16% premium bonus on the ten-year; – Guaranteed rates for the term (sans the S&P 500 strategy); and – Nearly ten hybrid index offerings. Loved seeing my friends Luke Christenson and Jason Zahn mentioned in the same article! If […]
He indicated that the company will “focus more heavily on distribution in coming years.”
{September 23rd, 2025} by Sheryl J. Moore
F&G‘s Chris Blunt indicates that the organization will “focus more heavily on distribution in coming years.” He adds, “while F&G will continue to retain assets on its balance sheet, it will move toward being a distributor of other firms’ balance sheets.” I am aware of three marketing groups that that FGL has bought into thus […]
She’s an entertainer; not an expert on annuities.
{September 16th, 2025} by Sheryl J. Moore
This article, ‘Over My Dead Body’ — Suze Orman Slams $2.3M Listener’s Plan To Buy An Annuity made me really MAD. How wrong can Suze Orman get it, when it comes to annuities? This woman who wrote in specifically asking, “Would it be smart to use about $700,000 from [her] brokerage account to buy an […]
What am I missing here?
{September 16th, 2025} by Sheryl J. Moore
– Street level compensation of 7.00% – Supplemental comp with a possible additional 2.00%; and – Override of 4.00%(?!?) – First-year surrender charge of 10.00% What am I missing here? (And yes, I am desensitized to the override. Sheesh!) Join in the conversation on LinkedIn -sjm
Power of Attorney
{September 16th, 2025} by Sheryl J. Moore
How well do I know this… My father didn’t think he needed a Power of Attorney until he was diagnosed with vascular dementia, and no longer had capacity. In May of 2025, I was granted a conservatorship/guardianship over my father. So far, it has cost more than $5,000.00. Thank you, Shannon Laymon-Pecoraro, CELA for discussing […]
Insurance Overlays
{September 16th, 2025} by Sheryl J. Moore
I recently showed my age, with a glaring snafu on an interview with FIDx‘s Michael Kazanjian. Check out this sneak peak, and look forward to the unveiling of the snafu, next week! 😀 -sjm
You know- the guy that used to lead American Equity.
{September 16th, 2025} by Sheryl J. Moore
It is been just over a year since Prosperity Life acquired National Western Life Insurance Company (NWL). (You will recall that Prosperity already owns SBLI USA and S.USA.) And now…JAB Insurance is acquiring Prosperity! Don’t know who JAB Insurance is? It is a company that was formed by CEO, Anant Bhalla. (You know- the guy […]
Let’s get some more of that!
{September 9th, 2025} by Sheryl J. Moore
FREAKING OUT!!! Just saw a commercial from Brighthouse Financial, promoting ANNUITIES! And it actually SAID “annuities!” Let’s get some more of that! -sjm
It will become a habit if you do it consistently for 21 days.
{September 9th, 2025} by Sheryl J. Moore
My current read is “Signs: The Secret Language of the Universe” by Laura Lynne Jackson. While I would highly recommend the book, I believe that the most important part of it is on this, the 255th page of the book. I hope you are able to read it. It is how I turn my negative […]
SECOND QUARTER 2025 LIFE INSURANCE SALES
{September 4th, 2025} by Sheryl J. Moore
All Life Sales for the second quarter of 2025 were $2,948 million, compared with $2,871 for the second quarter of 2024. Second quarter life sales were up nearly 9% when compared to the previous quarter and up nearly 3% as compared to the same period last year. All life products include indexed life, fixed universal […]
I wish I had more information about the success of life insurance…
{September 4th, 2025} by Sheryl J. Moore
I know what you are thinking…I wish I had more information about the success of life insurance over the past quarter/year. Wink, Inc. has got you covered! (Not only that, but it is FREE-NINETY-NINE!) Check out our blog Read SECOND QUARTER 2025 LIFE INSURANCE SALES for more on what turned out to be a pretty […]
The entire point was that they are “simple” to understand. What happened to that?
{September 4th, 2025} by Sheryl J. Moore
Is this the year 2002?!? Because structured annuities (a.k.a. RILAs) are “innovating” the same way indexed annuities were nearly 25 years ago… LET’S COMPLICATE THE PRODUCTS TO BE DIFFERENT! Listen: when I need a visual aid to describe how your indexing method works, it is a problem. The agent will not understand it. There is […]
Why do financial planners still avoid annuities?
{September 3rd, 2025} by Jamie Johnson
Why do financial planners still avoid annuities? (And why they shouldn’t) My thanks to The Impact Partnership and Dave Edgecomb for having me on the show! YouTube: Why Financial Planners Still Avoid Annuities (And Why They Shouldn’t) – YouTube Spotify: S1E19: Why Financial Planners Still Avoid Annuities (And Why They Shouldn’t) – Impactful […]
They didn’t, and now it’s too late.
{September 2nd, 2025} by Sheryl J. Moore
We had another death in the family. I cannot help thinking- did he have life insurance? Is the funeral funding a burden to his wife? How will his wife be able to maintain her lifestyle? I remember asking my parents these questions, and they both said they “have it taken care of.” They didn’t, and […]
Second Quarter, 2025 Annuity Sales
{August 27th, 2025} by Sheryl J. Moore
All Annuity Sales Sales for the second quarter of 2025 were $114,925 million, compared with sales of $108,045 million for the second quarter of 2024. Second quarter annuity sales were up nearly 17% when compared to the previous quarter and up more than 6% when compared to the same period last year. All annuity sales […]
A closing that shows the sheer powerful gains that are possible with these products!
{August 27th, 2025} by Sheryl J. Moore
If you want your prospects to feel more comfortable with the idea of purchasing an indexed annuity, have I got the resource for you! **********************”Why I Bought Indexed Annuities”*********************** This text outlines: – My personal experience with indexed annuities (yes- it is funny AND interesting); – Laymen’s terms explanations of the products’ features; – Compelling […]
When are you going to develop an indexed annuity?
{August 27th, 2025} by Sheryl J. Moore
Okay, Equitable…I see that this year you finally introduced a multi-year guaranteed annuity (MYGA). What I want to know is: when are you going to develop an indexed annuity? Everybody’s doin’ it! (I’m looking at you, New York Life Insurance Company.) -sjm Join in the LinkedIn discussion
Single mom on welfare to an insurance evangelist
{August 27th, 2025} by Sheryl J. Moore
Thank you so much for inviting me to speak at this event, Jeremy Nason, RFC®, David H. Kinder, RFC®, ChFC®, CLU® and Cheryl Fainelli, RFC®! I am excited to share my story, on how I went from a single mom on welfare to an insurance evangelist! -sjm
Welcome to the club, NYL!
{August 12th, 2025} by Sheryl J. Moore
Holy buckets. https://www.nylannuities.com/new-york-life-annuities/indexflex-fixed-annuity H*ll has frozen over. Literally. New York Life Insurance Company just launched an indexed annuity. Welcome to the club, NYL! (P.S. Is this the same company that said, in about 2006, that if their agents sold indexed life and indexed annuities that they would be subject to termination?) -sjm
So, does outsourcing customer service outside of the U.S. have an influence on which insurance companies you do business with?
{August 12th, 2025} by Sheryl J. Moore
One of my friends had a question that I thought would be interesting for us to discuss. “Is where an insurance company’s customer service located (domestic vs. foreign) a determinant in your annuity/life insurance product selection?” So, does outsourcing customer service outside of the U.S. have an influence on which insurance companies you do business […]
This has kind of been a “thing” since before AG49-B
{August 12th, 2025} by Sheryl J. Moore
Hybrid indices on indexed life are in regulators’ crosshairs again. Read NAIC takes another swing at stricter rules on life insurance illustrations via INN. Astoundingly, the regulators have backed off of a mandate that would require these indices to have existed for 10-20 years, to illustrate them. Now, the expectation looks like it is being […]
