Annuity

A Europe of Many Cultures or a European Culture?

Last Thursday saw a historic vote abroad: the United Kingdom (UK) voted to leave the 28 country European Union (EU). In effect, the British just had their “Tea Party” event. A few days before the vote, I wrote about the possibility of this happening. Although there was certainly passion on both sides – the ‘stay’ […]

Risk Aversion Grows as “Brexit” is a Distinct Possibility

While most of our industry focuses on the new Department of Labor (DOL) rules and how this would affect annuity sales in general over the next few years, there’s an event happening next week that could upset the financial markets. You’ve started to see it already. This week, highly-rated government bond yields dropped dramatically. The […]

Can the DOL Lawsuit Stop a Runaway Train?

There continues to be a flurry of articles, emails, and webinars to discuss how the recent DOL ruling affecting Fixed Index Annuities (FIAs) sold using qualified money will impact all of our lives, livelihoods and practices. And I just can’t help but think it’s all becoming a noisy, inbox-filling waste of time. I get three […]

Income Now, Later, Whenever

Income planning is integral to the service we provide to the producers who work with us. We take it quite seriously, and as such we’re very good at helping you determine the appropriate income strategy for each one of your clients.  Whenever we get to talk about income planning, we start with one basic question […]

Are Your Clients Being Put in a “Taxing” Situation?

All financial puns aside, have you been hearing rumblings about the IRS and their new “One-Rollover-Per-Year” rule? In case it hasn’t landed on your radar just yet, the new rules state that you can only make ONE rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of how many […]

What Has Our Industry Learned From the Glenn Neasham Case?

(For those who are unfamiliar with the case or haven’t been following it recently, you can get up to speed HERE.) The indictment, trial, conviction, and vindication of California annuity broker Glenn Neasham has been one of the most closely-followed legal battles in recent industry history. Beginning back in early 2008, it has taken over five […]

The “Perfect Storm” That Every Single Retiree Will Face

Adapting our sales strategies and product offerings to stay relevant in changing economic times has always been a hallmark of Zenith Marketing’s deep commitment to our agents. Since the passage of the Affordable Care Act in 2010, the topic of healthcare costs in retirement has been becoming more and more prevalent. Coupled with the traditional […]

Message from the CEO – Suitability

Suitability. I promise you – it’s not a four-letter word. But for some, even the very word alone is a cause for high blood pressure, clenched fists, and grinding teeth. When most of us think about suitability, we conjure up mental images of countless forms with client signatures, days wasted waiting for carriers to give […]

It Was Fun While It Lasted (Say Goodbye To The 4% Rule)

We’ve all heard that the “fundamentals” we have held to for so long are quickly disappearing – even the Wall Street Journal is jumping on board! There is no better time to be selling either lifetime income annuities or indexed annuities with income riders to satisfy your clients’ income needs. http://online.wsj.com/article/SB10001424127887324162304578304491492559684.html?mod=WSJ_hp_mostpop_read And I’m sure you […]

Why Do You Do What You Do?

We’ve all heard the old saying that the only things you can count on in this world are death and taxes. While both of these things seem to be inescapable, I feel that there is a more relevant constant in our day-to-day lives – the concept of change. Change permeates every facet of our personal […]