FIRST QUARTER 2017 NON-VARIABLE DEFERRED ANNUITY SALES
{May 23rd, 2017} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report’s indexed annuity sales for the first quarter of 2017 were $12,925 million, compared with sales of $15,089 million for the first quarter of 2016. First quarter indexed annuity sales were down nearly 3% when compared to the previous quarter, and down more than 14% when compared with the […]
FOURTH QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{March 29th, 2017} by Victoria L. Peterson
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2016 shows sales for the fourth quarter of 2016 were $13,309 million, compared with sales of $15,573 million for the fourth quarter of 2015. Fourth quarter indexed annuity sales were down nearly 7% when compared to the previous quarter, and down over than 14% when compared […]
Fourth Quarter 2016 Indexed Life Sales
{February 28th, 2017} by Sheryl J. Moore
Indexed Life Indexed Life sales for the fourth quarter of 2016 were $534 million, compared with sales of $541 million for the fourth quarter of 2015. Fourth quarter indexed life sales were up 18% when compared with the previous quarter, and down over 1% as compared to the same period last year. Total 4Q2016 indexed […]
THIRD QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{December 1st, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2016 shows sales for the third quarter of 2016 were $14,305 million, compared with sales of $13,860 million for the third quarter of 2015. Third quarter indexed annuity sales were down nearly 8% when compared to the previous quarter, and up more than 3% when compared […]
Third Quarter 2016 Indexed Life Sales
{November 22nd, 2016} by Sheryl J. Moore
Indexed Life Indexed Life sales for the third quarter of 2016 were $452 million, compared with sales of $478 million for the third quarter of 2015. Third quarter indexed life sales were up nearly 3% when compared with the previous quarter, and down over 5% as compared to the same period last year. Total […]
Interesting News from the DOL
{October 31st, 2016} by Sheryl J. Moore
Dozens of Field Marketing Organizations (FMOs) and Brokerage General Agencies (BGAs) have been contacting me since the Department of Labor’s (DOL’s) final fiduciary rule was issued; wanting to know how they too can apply to become a ‘Financial Institution.’ In response, I reached back out to my folks at the DOL, asking for their guidance. […]
SECOND QUARTER 2016 INDEXED LIFE SALES
{August 26th, 2016} by Sheryl J. Moore
Indexed Life Indexed life sales for the second quarter of 2016 were $441 million, compared with sales of $458 million for the second quarter of 2015. Second quarter indexed life sales were up over 2.00% when compared with the previous quarter, and down nearly 4.00% as compared to the same period last year. Total […]
SECOND QUARTER 2016 NON-VARIABLE DEFERRED ANNUITY SALES
{August 26th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2016 shows sales for the second quarter of 2016 were $15,523 million, compared with sales of $12,261 million for the second quarter of 2015. Second quarter indexed annuity sales were up more than 3.00% when compared to the previous quarter, and up nearly 28.00% when compared […]
First Quarter 2016 Indexed Insurance Sales
{May 27th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2016 shows sales for the first quarter of 2016 were $15,097 million, compared with sales of $11,374 million for the first quarter of 2015. First quarter indexed annuity sales were down more than 3.00% when compared to the previous quarter, and up nearly 33.00% when compared […]
Indexed Annuity GLWBs: a Decade of Change
{March 29th, 2016} by Sheryl J. Moore
Indexed annuity Guaranteed Lifetime Withdrawal Benefits are nearly as old as my business! Happy birthday, IA GLWBs! It has now been more than a decade since I developed the concept of offering Guaranteed Lifetime Withdrawal Benefits on fixed and indexed annuities. What was the motivation behind this? One question- “If guaranteed lifetime income is […]
Fourth Quarter 2015 Indexed Insurance Sales
{March 15th, 2016} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2015 shows sales for the fourth quarter of 2015 were $15,573 million, compared with sales of $11,954 million for the fourth quarter of 2014. Fourth quarter indexed annuity sales were up more than 12.00% when compared to the previous quarter, and up over 30.00% when compared […]
Yay for Technology! Changes to Wink’s Sales & Market Report
{March 1st, 2016} by Sheryl J. Moore
Hi there. A little over a year ago, I gave you a heads up on some changes that were occurring with Wink’s Sales & Market Report. I am writing this to communicate additional changes to our flagship report. Wink’s Sales & Market Report has served as the insurance industry’s #1 resource of indexed insurance product sales […]
THIRD QUARTER 2015 FIXED ANNUITY SALES
{December 15th, 2015} by Sheryl J. Moore
Traditional Fixed Annuity Sales for the third quarter of 2015 were $3,094 million. Third quarter fixed annuity sales were down over 17.00% when compared to the previous quarter. Total 3Q2015 traditional fixed annuity sales were $3,094,235,363 THE TOP TEN FIXED ANNUITY CARRIERS FOR THE THIRD QUARTER OF 2015: 1. AIG 2. Jackson National Life 3. MassMutual Life […]
THIRD QUARTER 2015 INDEXED INSURANCE SALES
{November 25th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2015 shows sales for the third quarter of 2015 were $13,872 million, compared with sales of $11,488 million for the third quarter of 2014. Third quarter indexed annuity sales were up more than 13.00% when compared to the previous quarter, and up nearly 21.00% when […]
My deepest sympathy: Jim (former Iowa Insurance Regulator) was a friend and esteemed colleague
{September 15th, 2015} by Sheryl J. Moore
Jim Mumford Winterset November 5, 1936 – September 14, 2015 Jim Mumford, 78, passed away peacefully on Monday, September 14, 2015, from injuries sustained in an accident at the home he loved and loved to work on. A memorial service will be held at 10:30 a.m., Thursday, September 17, 2015, at the Jackson Building on […]
SECOND QUARTER 2015 INDEXED INSURANCE SALES
{September 1st, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2015 shows second quarter 2015 indexed annuity sales were $12,253 million, compared with sales of $12,566 million for the second quarter of 2014. Second quarter indexed annuity sales were up nearly 8% when compared to the previous quarter, and down just over 2% when compared with the […]
SECOND QUARTER 2015 FIXED ANNUITY SALES
{September 1st, 2015} by Sheryl J. Moore
Traditional Fixed Annuity Sales for the second quarter of 2015 were 2015 were $2,461 million. Given that this is the first quarter that Wink has collected data on sales of fixed annuities, comparisons will be available in future quarters. Total 2Q2015 traditional fixed annuity sales were $3,740,217,752 THE TOP TEN FIXED ANNUITY […]
First Quarter 2015 Indexed Insurance Sales
{May 19th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2015 shows first quarter 2015 indexed annuity sales were $11,382 million, compared with sales of $10,887 million for the first quarter of 2014. First quarter indexed annuity sales were down nearly 5.00% when compared to the previous quarter, and up nearly 5.00% when compared with the […]
Wink is turning 10!
{May 5th, 2015} by Sheryl J. Moore
As we celebrate our ten year anniversary at Wink this month, I have been reminiscing about on how it all began… I have worked in the research and development of these products for over a decade and am committed to the advocacy of the life insurance industry. My career started at a small insurance company that […]
Addressing suicide prevention
{May 5th, 2015} by Sheryl J. Moore
“Thanks to the media for continuing to cover the problems at our schools. We need help!” ~ sjm Vigil remembers 12-year-old suicide victim, raises bullying awareness DES MOINES, Iowa —Iowans gathered at a vigil Sunday night to remember a 12-year-old suicide victim and raise awareness of bullying. The mother of 12-year-old Alyssa Morgan told KCCI […]
Fourth Quarter 2014 Indexed Insurance Sales
{March 11th, 2015} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2014 shows fourth quarter 2014 indexed annuity sales were $11,954 million, compared with sales of $10,544 million for the fourth quarter of 2013. Total 4Q2014 indexed annuity sales were $11,954,168,116. Total 2014 indexed annuity sales were $46,896,350,200. The top ten indexed annuity carriers for the fourth […]
Happy 20th Birthday Indexed Annuities!
{February 3rd, 2015} by Sheryl J. Moore
Since I first learned about indexed annuities, I’ve believed in them. What’s not to love? A retirement product that promises a guaranteed income that I cannot outlive, a minimum guaranteed interest, the potential to earn more than fixed money instruments, and no risk of loss due to market fluctuations. SIGN ME UP! I’m proud to […]
Where I’ve Been for the Past 18 Months
{January 27th, 2015} by Sheryl J. Moore
I know it has been a very long time since I’ve published any YouTube videos, articles, blogs, etc. I wanted to do a video, to help you understand why I’ve been “missing in action” the past 18 months. http://youtu.be/Uv0kVmvDWds Thank you everyone for your prayers, support, and love! I’m dedicated to helping all of you […]
Accumulation or Income?
{December 10th, 2014} by Sheryl J. Moore
Guaranteed Lifetime Withdrawal Benefit (GLWB) elections increased nearly 10% from the prior quarter. It is surprising to see such a big increase in GLWB elections when there has been such a focus on the accumulation story with ‘uncapped strategies.’ Makes one wonder if the focus of third quarter sales was really on accumulation or not! ~sjm
THIRD QUARTER 2014 INDEXED INSURANCE SALES
{November 19th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2014 shows third quarter 2014 indexed annuity sales were $11,488 million, compared with sales of $10,050 million for the third quarter of 2013. Third quarter indexed annuity sales were down nearly 9.00% when compared to the previous quarter, and up more than 14.00% when compared […]
Second Quarter 2014 Indexed Insurance Sales
{August 20th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2014 shows second quarter 2014 indexed annuity sales were $12,566 million, compared with sales of $9,203 million for the second quarter of 2013. Second quarter indexed annuity sales were up more than 15% when compared to the previous quarter, and up nearly 37% when compared […]
First Quarter 2014 Indexed Insurance Sales
{May 27th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2014 shows first quarter 2014 indexed annuity sales were $10,869 million, compared with sales of $7,863 million for the first quarter of 2013. First quarter indexed annuity sales were down nearly 6% when compared to the previous quarter, and up more than 39% when compared with […]
Fourth Quarter 2013 Indexed Insurance Sales
{March 18th, 2014} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 4th Quarter 2013 shows fourth quarter 2013 indexed annuity sales were $11,544 million, compared with sales of $8,547 million for the fourth quarter of 2012. Fourth quarter indexed annuity sales were up nearly 15% when compared to the previous quarter, and up more than 35% when compared with […]
Third Quarter 2013 Indexed Insurance Sales
{November 15th, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 3rd Quarter 2013 shows third quarter 2013 indexed annuity sales were $10,053 million, compared with sales of $8,738 million for the third quarter of 2012. Third quarter indexed annuity sales were up more than 9% when compared to the previous quarter, and up more than 15% when compared […]
Second Quarter 2013 Indexed Insurance Sales
{August 21st, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 2nd Quarter 2013 shows second quarter 2013 indexed annuity sales were $9203 million, compared with sales of $8762 million for the second quarter of 2012. Second quarter indexed annuity sales were up more than 17.00% when compared to the previous quarter, and up more than 5.50% when compared […]
First Quarter 2013 Indexed Insurance Sales
{May 27th, 2013} by Sheryl J. Moore
Indexed Annuity Wink’s Sales & Market Report, 1st Quarter 2013 shows first quarter 2013 indexed annuity sales were $7846 million, compared with sales of $8071 million for the first quarter of 2012. First quarter indexed annuity sales were down more than 8.00% when compared to the previous quarter, and down nearly 3.00% when compared with […]
Fourth Quarter 2012 Indexed Insurance Sales
{March 18th, 2013} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2012 shows fourth quarter 2012 indexed annuity sales were $8461 million compared with sales of $8723 million for the previous quarter. Fourth quarter sales were down 3.00% when compared with the previous quarter and up 2.00% when compared with the same period one year ago. […]
Opportune statistics!
{January 23rd, 2013} by Sheryl J. Moore
Just read through this month’s InsuranceNewsNet Magazine and came across a couple opportune statistics from a Harris Interactive survey about America’s search for financial peace of mind: 61% percent of American adults age 55+ view saving enough to have “financial peace of mind” as top financial priority. In addition 32% say that they plan to look into ways to […]
Just an update…
{January 9th, 2013} by Sheryl J. Moore
Just a heads-up that I do not endorse any company, financial product, OR software package. I endorse Sheryl and nothing more! 🙂 sjm
Third Quarter 2012 Indexed Insurance Sales
{November 16th, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 3rd Quarter 2012 shows third quarter 2012 indexed annuity sales were $8723 million compared with sales of $8719 million for the previous quarter. Third quarter sales were up 0.04% when compared with the previous quarter and up 0.24% when compared with the same period one year ago. […]
Top Ten Reasons I am Purchasing an Indexed Annuity
{October 17th, 2012} by Sheryl J. Moore
Ever wonder why someone would want to purchase an indexed annuity while caps hover the 3.00% range? How about why a prospect would choose to “lock” themselves into a product, while the industry faces historical-low interest rates? Join NAFA and Sheryl J. Moore, as the indexed annuity expert discusses why she is about to purchase […]
The Latest on the 70/10 Rule
{September 26th, 2012} by Sheryl J. Moore
We are receiving an insurmountable number of calls regarding the announcement of Ohio’s pending adoption of the 70/10 Rule (often referred to as the 10/10). In response, I wanted to update everyone on this anti-competitive regulation that has been adopted (in some form) or put on the table by more than one-out-of-four states in our nation. This is regulation […]
AWESOME Statistics and Facts on Retirement and Life Insurance
{September 26th, 2012} by Sheryl J. Moore
Just read this week’s Investment News, and came across some fabulous data that I thought could benefit you all. 1. Key findings of ING U.S. via a survey conducted in July by Praxis Research Partners: – 51% of uninsured Americans consider life insurance to be an expense that they cannot afford – One out of […]
Second Quarter 2012 Indexed Insurance Sales
{August 22nd, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 2nd Quarter 2012 shows second quarter 2012 indexed annuity sales were $8719 million compared with sales of $8071 million for the previous quarter. Second quarter sales were up more than 8% when compared with the previous quarter and up nearly 6% when compared with the same period […]
An Introduction to Indexed Annuities- Risk vs. Reward
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Indexed Annuities- Crediting Methods
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Indexed Annuities- Policy Provisions, Part II
{August 22nd, 2012} by Brokers Alliance
Click here to watch the video.
An Introduction to Indexed Annuities- Policy Provisions
{August 22nd, 2012} by Sheryl J. Moore
Click here to watch the video.
An Introduction to Fixed Indexed Annuities- Indices
{August 21st, 2012} by Sheryl J. Moore
Click here to watch the video.
Guggenheim Vying for Some or All of Aviva USA
{August 13th, 2012} by Sheryl J. Moore
To read the article, click here: http://www.cnbc.com/id/48641419/Guggenheim_Life_well_placed_to_buy_Aviva_USA_report.
Is Fidelity Investments on a Mission to Deceive Indexed Annuity Prospects and Policyholders?
{August 7th, 2012} by Sheryl J. Moore
In the past week, I have received two reports of representatives from Fidelity Investments aggressively bad-mouthing indexed annuities to purchasers and/or prospects of these “safe money” products. This cannot be a coincidence. These two different insurance agents did business on opposite sides of the country. They both told me that their clients felt “strong-armed.” The Fidelity Investments representatives were reportedly very aggressive, merely […]
Wendy Waugaman’s Passing
{June 19th, 2012} by Sheryl J. Moore
The following message was sent by David J. Noble, Founder and Executive Chariman of American Equity Investment Life on June 19, 2012: “It is with great sadness that I must inform you that American Equity has lost a special friend and significant team member. Wendy Waugaman has been fighting a long and courageous battle with […]
First Quarter 2012 Indexed Insurance Sales
{May 21st, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 1st Quarter 2012 shows first quarter 2012 indexed annuity sales were $8071 million, compared with sales of $7115 million for the first quarter of 2011. First quarter indexed annuity sales were down nearly 3.00% when compared with the previous quarter, and up nearly 14.00% when compared with […]
California resident victimized by a (Nea)sham?
{May 14th, 2012} by Sheryl J. Moore
By now, many of you have read my balanced perspective of the Glenn Neasham case on ProducersWEB. The aforementioned blog was drafted after having read only one article on this case, admittedly not having access to all the facts of the case. The purpose of the piece: to ask our industry to look at the […]
A Report of the Glenn Neasham Case that You Cannot Miss
{May 13th, 2012} by Sheryl J. Moore
For more than a decade, I have benefitted from a subscription to a journal called, The Insurance Forum. The editor of this trusted publication, Dr. Joseph Belth, is an unrivaled insurance researcher and reporter, as well as a renowned Professor Emeritus of Insurance in the Kelley School of Business at Indiana University. If you want […]
Cool, Free Stuff for a Moment of Your Time
{April 18th, 2012} by Sheryl J. Moore
Hey there! I really need your help. I need to know all of the things that prospects look for in a financial services professional. I’ve never had to look for one (simply because I came out of the womb asking for blood, urine, and an MVR). For that reason, I could really use your perspective […]
A Sale of Aviva USA in the Near Future?
{April 12th, 2012} by Sheryl J. Moore
I was absolutely shocked this morning to see the headlines regarding Aviva PLC welcoming offers on it’s U.S. life insurance subsidiaries. I’m interested to hear what all of you think about this? sjm
Let the Social Networking Games Begin
{April 4th, 2012} by Sheryl J. Moore
Good morning everyone! It is another one of those sleepless nights for me, here in the indexed annuity capital of the world. Before I get into my rant here, I just want to let it be known that I am just as competitive as the next gal/guy out there. Probably more so […]
GREAT Statistic
{March 29th, 2012} by Sheryl J. Moore
According to Market Rates Insight, 18% of bank deposits were held in CDs as of December. This is down 31.1% in January 2007. Opportunities, anyone? sjm
Join the Conversation on Glenn Neasham’s California Case
{March 25th, 2012} by Sheryl J. Moore
Perhaps one of the most controversial cases to erupt in the insurance industry, the plight of Glenn Neasham is resounding with insurance agents all over the nation. If you haven’t contributed to the conversation, join over 20,000 others in what is quite possibly the most commented-on blog ever published at Producers Web. While you are […]
Fourth Quarter 2011 Indexed Insurance Sales
{March 14th, 2012} by Sheryl J. Moore
Indexed Annuity AnnuitySpecs.com’s Indexed Sales & Market Report, 4th Quarter 2011 shows fourth quarter 2011 indexed annuity sales were $8295 million, compared with sales of $8374 million for the fourth quarter of 2010. Fourth quarter indexed annuity sales were down nearly 5.00% when compared with the previous quarter, and down just under 1.00% when compared […]
The outrage over Glenn Neasham: a different perspective
{March 12th, 2012} by Sheryl J. Moore
When you are an independent insurance agent, particularly in today’s day and age of regulation, disclosure, due diligence and scrutiny, you need to expect that you alone are responsible for your actions and the consequences that come with them. This is why I always advise agents to CYA — cover your annuities. There is no […]
Are you an annuity competitive intelligence analyst?
{January 25th, 2012} by Sheryl J. Moore
Have you ever thought to yourself, MY LIFE WOULD BE SO MUCH BETTER IF I LIVED IN: – Forbes’ #1 City for Best Places for Business and Careers – Forbes’ #1 by Best City for Young Professionals – U.S. News & World Report’s #1 Richest Metro in the Nation – Parenting Magazine’s #5 Best City for […]
Indexed Universal Life Products- Part 5
{January 14th, 2012} by Sheryl J. Moore
The last video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Five of Five
Indexed Universal Life Products- Part 4
{January 14th, 2012} by Sheryl J. Moore
Yet another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Four of Five
Indexed Universal Life Products- Part 3
{January 11th, 2012} by Sheryl J. Moore
Another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Three of Five
Indexed Universal Life Products- Part 2
{January 10th, 2012} by Sheryl J. Moore
Another video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part Two of Five- Indexed Insurance Products Series I Life
Indexed Universal Life Products
{January 10th, 2012} by Sheryl J. Moore
A video about indexed life insurance products with Steve Savant, of Brokers Alliance, and Sheryl Moore. Indexed Universal Life – Part One of Five- Indexed Insurance Products Series I Life
Term Life Insurance Is NOT Enough
{January 8th, 2012} by Sheryl J. Moore
In my travels, I have had the opportunity to visit with hundreds of thousands of people that I don’t know in the slightest. In my interactions with these inquisitive strangers, one misconception about life insurance is not only prominent, but particularly disturbing. TERM LIFE INSURANCE IS NOT ENOUGH! Although the MIB cites that one-third of all Americans have […]
Indexed Annuity Training with Asset Marketing Systems
{January 6th, 2012} by Sheryl J. Moore
January 6, 2012 11:00 AM – 3:00 PM 15050 Avenue of Science #100 Join Sheryl J. Moore and Asset Marketing Systems in the following indexed annuity training: Indexed Annuity and Safe Money Fundamentals Since their introduction to the insurance market in 1995, indexed annuities have become an invaluable part of the retirement income story. Most […]
What Would You Do?
{December 4th, 2011} by Sheryl J. Moore
If you could be Sheryl J. Moore for ONE day…what would you do? – Teach regulators about indexed life insurance and indexed annuities? – Write an article about life insurance and annuities, in order to educate insurance agents? – Read a sample annuity contract? – Evaluate a life insurance specimen contract? – Crunch sales data and […]
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!
