Best account accumulation annuities
In this post we list some of the Best account accumulation annuities. Below is a list of some of the annuities that offer better growth opportunities for your clients money. You will notice we have not included any type of annuity using a risk control index such as either the S & P risk control 5% or 10%, Morgan Stanley Dynamic index, BNP Paribus, etc… In fact, We are also not showing annuities that use a 2 year or greater point to point strategies. In fact, our experience with risk controlled indexes has not been very positive. These indexes have had a very low return yield in the past 5 years. Also, the 2 year or greater point to point strategy makes it very hard for clients to understand why there is not interest credit after the first year.
| Company | Product | Surrender yrs | Bonus | Index Strategy/CAP | Agent Commission | |
| AIG | Protector 10 | 10 | N | An Pt-Pt w/S&P 500- 5.1% >$100k | 7.00% | |
| AIG | Protector 10 | 10 | N | An Pt-Pt w/S&P 500- 3.6% <$100k | 7.00% | |
| AIG | Protector 7 | 7 | N | An Pt-Pt w/S&P 500- 5% >$100k | 4.00% | |
| AIG | Protector 7 | 7 | N | An Pt-Pt w/S&P 500- 3.5% <$100k | 4.00% | |
| Global Atlantic | Choice Accumulation | 7 | N | An Pt-Pt w/ S&P 500- 5.5% | 4.00% | |
| The Standard | Index Select Annuity 10 | 9 | N | An Pt-Pt w/S&P 500- 5.6% >$100k | 5.00% | |
| American Equity | Choice series annuities | 6,8,10 | N | An pt-pt w/S&P 500 with 45% participation | 6.00% |
PTE 84-24 Disclosure and Acknowledgment Form for IRA Annuity Purchase
Starting June 9th through Dec 31st agent will be required to complete the PTE 84-24 form when selling fixed/index annuities using qualified money.
Although this form Does NOT need to be sent to any company, the agent must put it in the client file and hold for 6 yrs.
Additionally, the agent must put their commission % on form.
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