Renewals

While certainly not fool proof, it can make good business sense to look at how an insurer has treated past and current contract owners. Without a doubt, some Fixed Indexed Annuities have moving parts such as participation rates, spreads, caps, etc. and these moving parts can determine how much money your clients can have down the road.

Bottom Line: Ask an insurance company to see how they have treated old, current, and new contract owners. Said differently, ask that question, perhaps, first and then ask “What is the commission?” later.