We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Moore on the Market

Categories

  • Industry Articles (17,774)
  • Industry Conferences (3)
  • Industry Job Openings (3)
  • Moore on the Market (207)
  • Negative Media (139)
  • Positive Media (73)
  • Sheryl's Articles (656)
  • Wink's Articles (265)
  • Wink's Inside Story (238)
  • Wink's Press Releases (99)
  • Blog Archives

  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • May 2008
  • February 2008
  • August 2006
  • Third Quarter 2011 Indexed Insurance Sales

    {November 15th, 2011} by Sheryl J. Moore

    Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 3rd Quarter 2011 shows third quarter 2011 indexed annuity sales were $8702 million, compared with sales of $8772 million for the third quarter of 2010. Third quarter indexed annuity sales were up over 5% when compared with the previous quarter, and down less than 1% when compared […]

    Why are Indexed Life Caps So Much Higher Than Indexed Annuities’?

    {November 11th, 2011} by Sheryl J. Moore

    Number one question asked since historical-low interest rates have depressed indexed annuity caps: “Why are the caps on indexed life insurance products so much higher than those on indexed annuities?” Good question. Simple answer. Let us explore how insurance companies are able to make a profit on each of these products. On annuities, insurance companies […]

    Index Life & Annuity Forum

    {October 24th, 2011} by Sheryl J. Moore

    Home //   //   Index Life & Annuity Forum – Orlando Thursday, November 03, 2011 8:00 AM – Friday, November 04, 2011 1:00 PM (Eastern Time) Omni Orlando Resort at ChampionsGate (407) 390-6664 1500 Masters Blvd. ChampionsGate, Florida 33896 United States Map and Directions   All Travel Arrangements and Hotel Accomodations will be the […]

    It Is An Exciting Time to Have Indexed Life in Your Arsenal

    {October 16th, 2011} by Sheryl J. Moore

    For nearly 15 years I have been singing the praises of Indexed Life. For much of that time, people ignored my preaching about this product rich in guarantees, which also gave the ability to earn interest based on the market’s performance. WELL NOT ANYMORE! At the close of 2010, Indexed Life sale eclipsed VUL sales […]

    OMG: A company that has been in the indexed annuity market just launched an IUL

    {September 23rd, 2011} by Sheryl J. Moore

    Apparently there is big talk in the industry this week about an email that was distributed by a certain individual acting on behalf of a marketing organization, speculating about the competitiveness of a new indexed UL. Here’s the deal. Yes, the company in question did recently launch an indexed UL. Is it any good? I’ll […]

    OMG- a Company That Has Been in the Indexed Annuity Market Just Launched an IUL

    {September 22nd, 2011} by Sheryl J. Moore

    Apparently there is big talk in the industry this week about an email that was distributed by a certain individual acting on behalf of a marketing organization, speculating about the competitiveness of a new indexed UL. Here’s the deal. Yes, Ameriprise did recently launch an indexed UL. Is it any good? I’ll let you be […]

    Introduction to Indexed Annuities

    {September 14th, 2011} by Sheryl J. Moore

    A video about indexed annuities with Steve Savant, of Brokers Alliance, and Sheryl Moore. Introduction to Indexed Annuities

    Indices and Crediting Methods Indexed Universal Life

    {September 14th, 2011} by Sheryl J. Moore

    A video about indexed life crediting methods with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indices and Crediting Methods Indexed Universal Life

    Introduction to Indexed Universal Life

    {September 14th, 2011} by Sheryl J. Moore

    A video about indexed life with Steve Savant, of Brokers Alliance, and Sheryl Moore. Introduction to Indexed Universal Life

    Proposals, Illustrations, and Income Scenarios Indexed Universal Life

    {September 14th, 2011} by Sheryl J. Moore

    A video about indexed life illustrations with Steve Savant, of Brokers Alliance, and Sheryl Moore. Proposals, Illustrations, and Income Scenarios Indexed Universal Life

    Income and Death Benefit Riders with Indexed Annuities

    {September 14th, 2011} by Sheryl J. Moore

    A video about indexed annuity GLWBs and GMDBs with Steve Savant, of Brokers Alliance, and Sheryl Moore. Income and Death Benefit Riders with Indexed Annuities

    Second Quarter 2011 Indexed Insurance Sales

    {August 15th, 2011} by Sheryl J. Moore

    Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 2nd Quarter 2011 shows second quarter 2011 indexed annuity sales were $8273 million compared with sales of $7141 million for the previous quarter. Second quarter sales were up nearly 16% when compared with the previous quarter and down just over 1% when compared with the same period […]

    Iowa Provides Guidance on “Source of Funds”

    {June 28th, 2011} by Sheryl J. Moore

    The state of Iowa Insurance Division has issued guidelines that put registered reps and insurance agents on a level playing field in terms of “source of funds.” See below the bulletin which was issued: INSURANCE BULLETIN 11-4 AND SECURITIES BULLETIN 11-1 To:                          Persons Licensed in Iowa to Sell Insurance and/or Securities From:                    Susan E. Voss, […]

    First Quarter 2011 Indexed Insurance Sales

    {May 17th, 2011} by Sheryl J. Moore

    Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 1st Quarter 2011 shows first quarter 2011 indexed annuity sales were $7141 million compared with sales of $8374 million for the previous quarter. First quarter sales were down almost 15% when compared with the previous quarter and up nearly 5% when compared with the same period one […]

    I Need Policyholder Annual Statements: HELP!

    {April 21st, 2011} by Sheryl J. Moore

    Do you have clients that own indexed annuities? Have you ever seen an unbelievable one-year gain on one of their policyholder annual statements? If so, I need your help! I am collecting indexed annuity policyholder annual statements showing awesome one-year gains. If you have a specimen that you would be willing to share, there’s something in […]

    Indexed Annuity Complaints Drop in Half

    {April 13th, 2011} by Sheryl J. Moore

    For anyone who thinks that indexed annuity complaints are a problem, I’ve got news for you…THEY ARE INFINITESIMAL! I am very pleased to report that indexed annuity complaints were down yet again for 2010; by nearly 50%. See data below from the National Association of Insurance Commissioner’s Closed Complaint Database: TOTAL INDEXED ANNUITY COMPLAINTS FOR […]

    Consumers’ Education of Financial Services Products

    {March 30th, 2011} by Sheryl J. Moore

    Since entering the financial services industry twelve years ago, I have had the opportunity to regularly witness the lack of information that consumers have access to when it comes to financial services products. Back before the turn of the century, I could easily count myself among the ignorant. Today, I frequently run into friends or relatives […]

    Fourth Quarter 2010 Indexed Insurance Sales

    {March 4th, 2011} by Sheryl J. Moore

    Fourth Quarter 2010 Indexed Insurance Sales Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2010 shows fourth quarter 2010 indexed annuity sales were $8374 million compared with sales of $8770 million for the previous quarter. Fourth quarter sales were down almost 5% when compared with the previous quarter and up nearly 19% when […]

    Indexed Life Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010

    {March 4th, 2011} by Sheryl J. Moore

    Sales Trends Indexed Life Sales Leaders 1998 American General ING (Southland) Conseco Union Central Transamerica 1999 American General ING (Southland) Conseco Americo National Life Group 2000 American General (est) Conseco ING (Southland) Aviva Allstate 2001 Aviva Conseco American General (est) Allstate Lafayette 2002 Aviva Conseco Lafayette Allstate ING (Southland) (est) 2003 Aviva Conseco Lafayette American […]

    Indexed Life Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010

    {March 4th, 2011} by Sheryl J. Moore

    Sales Trends Indexed Life Sales Leaders 1998 American General ING (Southland) Conseco Union Central Transamerica 1999 American General ING (Southland) Conseco Americo National Life Group 2000 American General (est) Conseco ING (Southland) Aviva Allstate 2001 Aviva Conseco American General (est) Allstate Lafayette 2002 Aviva Conseco Lafayette Allstate ING (Southland) (est) 2003 Aviva Conseco Lafayette American […]

    Indexed Annuity Sales Leaders AnnuitySpecs’ Indexed Sales & Market Report 4th Quarter, 2010

    {March 4th, 2011} by Sheryl J. Moore

    Sales Trends Indexed Annuity Sales Leaders 1997 Keyport Life Jackson National Conseco SAFECO (est) Lincoln Benefit 1998 Conseco Jackson National SAFECO (est) Allianz Keyport Life 1999 Jackson National Conseco Old Mutual American Equity Allianz 2000 Allianz American Equity Jackson National Midland National Conseco 2001 Allianz Midland National American Equity Aviva Jackson National 2002 Allianz Midland […]

    Indexed insurance products set 2010 sales records despite challenges

    {March 2nd, 2011} by Sheryl J. Moore

    Preliminary 2010 sales of indexed insurance products show that the growth in sales of these products is staggering. Not only do we have the not-too-distant decline in the stock markets fueling that fire, but also historically low interest rates on traditional fixed money products such as certificates of deposit, fixed annuities, and fixed universal life. […]

    Wall Street’s interest in indexed annuities

    {February 10th, 2011} by Sheryl J. Moore

    Recently, an article was published bringing to light the fact that some firms on Wall Street are in the process of developing indexed annuities. Many of you have contacted us in a panic, trying to validate the accuracy of this information. We have indeed been contacted by two such firms over the course of the […]

    Wall Street’s Interest in Indexed Annuities

    {February 9th, 2011} by Sheryl J. Moore

    Recently, an article was published at AnnuityNews.com, bringing to light the fact that some firms on Wall Street are in the process of developing indexed annuities. Many of you have contacted us, in a panic, trying to validate the accuracy of this information. We have indeed been contacted by two such firms over the course of the […]

    Wall Street's Interest in Indexed Annuities

    {February 9th, 2011} by Sheryl J. Moore

    Recently, an article was published at AnnuityNews.com, bringing to light the fact that some firms on Wall Street are in the process of developing indexed annuities. Many of you have contacted us, in a panic, trying to validate the accuracy of this information. We have indeed been contacted by two such firms over the course of the […]

    Hundreds of Thousands of Insurance Professionals Agree with Me- Indexed Annuities ‘great solution’ for many savers

    {February 4th, 2011} by Sheryl J. Moore

    It appears that I have a secret admirer. Attorney Marc S. Dobin of Dobin & Jenks, LLP in Jupiter, Florida appears to be carrying a flame for me. At least, that is how it would appear. Consider: Mr. Dobin blogged about me yesterday for the first time since my letter to him, two years ago, correcting him on some […]

    Hundreds of Thousands of Insurance Professionals Agree with Me- Indexed Annuities 'great solution' for many savers

    {February 4th, 2011} by Sheryl J. Moore

    It appears that I have a secret admirer. Attorney Marc S. Dobin of Dobin & Jenks, LLP in Jupiter, Florida appears to be carrying a flame for me. At least, that is how it would appear. Consider: Mr. Dobin blogged about me yesterday for the first time since my letter to him, two years ago, correcting him on some […]

    What You Need to Know About the 10/10 Rule

    {January 4th, 2011} by Sheryl J. Moore

    We are receiving hundreds of calls since Florida enacted a variation of the 10/10 Rule effective January 1, 2011. For that reason, I thought that a little clarification about the rule was warranted. Here are some things you need to know about the 10/10 Rule: 1. The 10/10 Rule is desk-drawer legislation that was initially […]

    New York Compensation Disclosure is Here

    {December 3rd, 2010} by Sheryl J. Moore

    ATTENTION AGENTS AND FMOS DOING BUSINESS IN NEW YORK! New York insurance agents need to be aware of the new compensation disclosure rules (Regulation 194) that take effect January 1, 2011. It is important to note that this regulation is not only for those who SELL IN New York. This impacts all insurance agents licensed to do business in New York, […]

    Third Quarter 2010 Indexed Insurance Sales

    {November 15th, 2010} by Sheryl J. Moore

    THIRD QUARTER INDEXED ANNUITY SALES BLEW ALL PREVIOUS RECORDS OUT OF THE WATER! Read on… Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 3rd Quarter 2010 shows third quarter 2010 indexed annuity sales were $8770 million compared with sales of $8379 million for the previous quarter. Third quarter sales were up nearly 5% when compared […]

    THE CHALLENGE IS ON- I NEED YOUR HELP!

    {October 18th, 2010} by Sheryl J. Moore

      Are you sick of the misinformation about indexed annuities in the media? I am. I’ve taken the matter into my own hands by holding the media accountable for their journalistic integrity when it comes to their reporting on indexed annuities. For the past three years, I have been personally responding to every negative/inaccurate article […]

    SEC Withdraws Rule 151A

    {October 15th, 2010} by Securities and Exchange Commission

      SECURITIES AND EXCHANGE COMMISSION Securities and Exchange Commission. ACTION:   17 CFR Part 230 [Release No. 33-9152; File No. S7-14-08] RIN 3235-AK16 INDEXED ANNUITIES AGENCY: Final rule; withdrawal; request for comment on Paperwork Reduction Act burden estimate. SUMMARY: We are withdrawing rule 151A under the Securities Act of 1933, which defines the terms “annuity […]

    Speculation on 2010 Indexed Annuity Sales…

    {October 14th, 2010} by Sheryl J. Moore

    Fixed annuities are averaging 3.42% today (including bonus). That number was a double-digit at the turn of the century. By comparison, certificates of deposit (CDs) are currently averaging 0.75%; less than one percent! I could walk into the bank and get a rate of 7.00% in 2000. Sound attractive? I’m betting not. For that reason, […]

    Clarification of the SEC's Rule 151A and FINRA's Notice to Members 05-50

    {August 27th, 2010} by Sheryl J. Moore

    Since the recent demise of the Securities and Exchange Commission’s Rule 151A, I have been receiving a slew of questions about the impact of this on the Financial Industry Regulatory Authority’s Notice to Members 05-50. A quick overview: The National Association of Securities Dealers (now known as the Financial Industry Regulatory Authority, FINRA) issued their […]

    Clarification of the SEC’s Rule 151A and FINRA’s Notice to Members 05-50

    {August 27th, 2010} by Sheryl J. Moore

    Since the recent demise of the Securities and Exchange Commission’s Rule 151A, I have been receiving a slew of questions about the impact of this on the Financial Industry Regulatory Authority’s Notice to Members 05-50. A quick overview: The National Association of Securities Dealers (now known as the Financial Industry Regulatory Authority, FINRA) issued their […]

    Second Quarter 2010 Indexed Insurance Sales

    {August 14th, 2010} by Sheryl J. Moore

    Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 2nd Quarter 2010 shows second quarter 2010 indexed annuity sales were $8379 million compared with sales of $6819 million for the previous quarter. Second quarter sales were up nearly 23% when compared with the previous quarter and down less than 0.20% when compared with the same period […]

    Indexed Annuities’ Battle with SEC Comes to An End

    {July 21st, 2010} by Sheryl J. Moore

      Indexed Annuities’ Battle with SEC Comes to An End On July 21, 2010, a long and hard-fought battle with securities regulators was finally won by the insurance industry. After being under question for 13 years, the securities status of indexed annuities was finally and indefinitely settled when President Barack Obama signed the Dodd-Frank Wall […]

    Court Vacates SEC's Rule 151A

    {July 12th, 2010} by Sheryl J. Moore

    Good evening, everyone! Great news this evening on the 151A litigation front- the court has vacated the SEC’s rule 151A. Here is language from the court’s order: “Having determined that the SEC’s S. 2(b) analysis is lacking, we grant the petitions [assertion that] the SEC failed properly to consider the effect of the rule upon […]

    Court Vacates SEC’s Rule 151A

    {July 12th, 2010} by Sheryl J. Moore

    Good evening, everyone! Great news this evening on the 151A litigation front- the court has vacated the SEC’s rule 151A. Here is language from the court’s order: “Having determined that the SEC’s S. 2(b) analysis is lacking, we grant the petitions [assertion that] the SEC failed properly to consider the effect of the rule upon […]

    Registered Indexed Annuities Launch is a Non-Event

    {June 16th, 2010} by Sheryl J. Moore

    Recently, an insurance company that sells indexed annuities rolled-out a registered indexed annuity. Our office is receiving alot of calls regarding this rollout. For the record: 1. This is a non-event. Registered indexed annuities (RIAs) have existed since fixed indexed annuities (FIAs) have. 2. As of today, there are precisely four registered indexed annuities in the market and […]

    The 10/10 Rule is Spreading Like a Bad Rash

    {June 4th, 2010} by Sheryl J. Moore

    Just a big heads up for everyone- Florida will be a 10/10 state as of 1/1/11. This means that after that date, no annuities will be available to Floridians where the surrender charges exceed 10-years or the first-year surrender penalty exceeds 10%. I am happy to report that with the cooperation and assistance of all of you that […]

    First Quarter Indexed Annuity Sales Drop 4%

    {May 18th, 2010} by Sheryl J. Moore

    First Quarter 2010 Indexed Insurance Sales   Indexed Annuity AnnuitySpecs.com’s 1st Quarter Indexed Sales & Market Report shows first quarter 2010 indexed annuity sales were $6819 million compared with sales of $7097 million for the previous quarter. First quarter sales were down nearly 4% when compared with the same period one year ago. Total 1Q2010 […]

    Credible “experts”

    {April 26th, 2010} by Sheryl J. Moore

    Team, I want to present to you that in the years that I’ve been serving as an expert in the indexed life and indexed annuity markets, I have seen dozens of so-called “experts” come and go. (I’m not saying this in defense of my products and services, as we never have to want for business. […]

    FINRA and the Securities Power Grab

    {April 21st, 2010} by Sheryl J. Moore

    Ever feel like some groups just don’t have enough job security? Take the Securities and Exchange Commission (SEC) for example. Historically, the SEC has attempted to take-over regulation of several non-securities products. Want proof? Google “SEC wants to regulate banks” or “SEC wants to regulate single premium life.” Or how about, “SEC wants to regulate […]

    Why Can’t We Be A Self-Policing Industry?

    {April 19th, 2010} by Sheryl J. Moore

    When I started speaking to large groups about five years ago, I would usually include slides in my presentations that talked about the top-selling products, regulatory trends, and upcoming changes to product designs. Now keep in mind, the market environment was much different then. It seemed like every other company was being sued in a […]

    Unite to Fight 151A!

    {March 30th, 2010} by American Equity

    Unite to Fight 151A! Let’s Save Fixed Indexed Annuities March 29th – April 9th Our U.S. Senators will be back in their local state offices. Please take just a few minutes and reach out to them. If your Senator has not yet agreed to co-sponsor Senate Bill S1389 then please ask them to do so. […]

    Indexed Annuity Complaints Down Again for 2009

    {March 15th, 2010} by Sheryl J. Moore

    For anyone who thinks that indexed annuity complaints are a problem, I’ve got news for you…THEY ARE MINISCULE! I am very happy to report that indexed annuity complaints were down again for 2009. See data below from the National Association of Insurance Commissioner’s Closed Complaint Database: TOTAL INDEXED ANNUITY COMPLAINTS FOR 2006: 187 TOTAL INDEXED […]

    Happy Birthday, Indexed Annuities!

    {March 12th, 2010} by Sheryl J. Moore

    Indexed annuities were developed 15 years ago as of February 2010. These products are still a “baby” in terms of the product life cycle, considering that fixed annuities have been around since the 1600’s. As of 4Q2009, indexed annuities account for 12.82% of all annuity sales (fixed, indexed, and variable). Interestingly, indexed life is two […]

    The 10/10s are coming! The 10/10s are coming!

    {February 27th, 2010} by Sheryl J. Moore

    Hey there team, 10/10 is getting to be a big issue. This desk drawer legislation is used by insurance divisions to limit the surrender charges on all annuities to 10-years and10%. The bigger issue here is that limiting surrender charges on annuities is anti-competitive and results in a reduction of benefits on the product. For example, […]

    Fair-Weather Friends of the Indexed Annuity

    {February 21st, 2010} by Sheryl J. Moore

    You know who you are. Companies that are not loyal to the business or the agents that sell the product. Consultants who claim to be third-party and unbiased, but spout the latest “research” to strategically advance the sales of marketing organizations that pay you to promote their services on your websites. WHEN ARE YOU GOING […]

    Do you ever get tired of the sleaze in our business?

    {February 5th, 2010} by Sheryl J. Moore

    That’s right- I asked it. Do you ever get tired of the sleaze in our business? You know what I am talking about- the guys advertising 12% commissions on annuities? You know who you are… Well, I am sick of it. I hope that you are too. I spend more than 70% of my time […]

    "Now Do We Have Your Attention?"

    {January 25th, 2010} by Raymond J. Ohlson

    READ BELOW FOR A SPECIAL MESSAGE BY RAY OHLSON OF THE OHLSON GROUP: Well it was quite a week. The senate seat once held by the late Senator Ted Kennedy was taken from the Democrats when the newly elected Senator Brown scored an upset victory in Massachusetts. Both sides of the aisle are now explaining […]

    “Now Do We Have Your Attention?”

    {January 25th, 2010} by Raymond J. Ohlson

    READ BELOW FOR A SPECIAL MESSAGE BY RAY OHLSON OF THE OHLSON GROUP: Well it was quite a week. The senate seat once held by the late Senator Ted Kennedy was taken from the Democrats when the newly elected Senator Brown scored an upset victory in Massachusetts. Both sides of the aisle are now explaining […]

    GREAT statistics to help you with your sales of indexed life and indexed annuities….

    {January 22nd, 2010} by Sheryl J. Moore

    According to a recent Gallup, Inc. poll: 55% of American shareholders believe that the stock market will be higher a year from now. Only 11% believe that it will be lower in a year. How does that translate to IA and IUL? The power of the annual reset is magnificent! Although the market may be […]

    Get Your Butt Out of Your Chair and Contact Your Legislators!

    {January 8th, 2010} by Sheryl J. Moore

    I am happy to report that we have 69 co-sponsors in the House now and 12 in the Senate. But, do you know how many Congress persons it takes to get a bill passed? There are 535 people in Congress. THAT MEANS WE ONLY HAVE 15% OF CONGRESS CO-SPONSORING THE BILLS THAT WILL SAVE THE […]

    The Economic Impact of Rule 151A

    {January 3rd, 2010} by Sheryl J. Moore

    Even if you HATE indexed annuities, Rule 151A is something you need to be concerned about.

    This rule, which effectively redefines indexed annuities as securities, is how the SEC is opening the door to federal regulation of life insurance. The Securities and Exchange Commission has a mission to be the preeminent financial services regulator; regulating insurance, banks, securities, and more. If you don’t believe me, just do a Yahoo! search on any of the following:

    • SEC wants to regulate hedge funds
    • SEC wants to regulate insurance
    • SEC wants to regulate financial markets
    • SEC wants to regulate [you fill in the blank]

    Welcome!

    {December 30th, 2009} by Sheryl J. Moore

    If you have ever been interested in Indexed Annuities, Indexed Life, or even just me- WELCOME!

    This website is designed to lead you to the answers that you are seeking out on indexed insurance products and the work that our firm does in the insurance market. At www.sheryljmoore.com, you will find articles relevant to the Indexed Annuity and Indexed Life markets, my rebuttals to inaccurate or misleading media, my blogs, articles I have authored, and links to all of the resources you need if you are interested in products that provide downside guarantees and limited upside indexed interest.

    Welcome to MY beautiful life of Indexed Annuities and Indexed Life!

    currency