Spreadsheets

Feel free to download these important spreadsheets regarding your financial future.
If you have any questions regarding this information or would like more, please contact us.

Traditional Renewal Rates

pdf-logoThese products give you the safety of guaranteed rates with the opportunity and possible advantage of change. Enhanced first year high guarantees with the renewal rates tied to the interest rate environment every year there after.

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Multi Year Guarantees

pdf-logoChoose from different guarantee periods to give you the total piece of mind through out the entire duration of the surrender period. Know exactly what you are earning every year of the contract with no worries of interest rate changes.

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Fixed Indexed Annuities

pdf-logoThese products link earnings to the performance of the market as a whole. Unlike variable annuities and mutual funds the Annual Reset provision associated with these products allows you to only participate in positive years.

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New York Rates

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New York has its own rules and laws when it approves products for sale. A list of the best products is available for download.

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Sales Concepts

CD Rescue Kit
There are billions of dollars locked away and invested in Certificates of Deposits in banks all over the country!
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Income Rider
The overwhelming number 1 fear for a majority of retirees is whether or not they will outlive their income and investments.  The introduction of Income Riders has made this fear irrelevant. 
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Reverse Dollar Cost Averaging
By using this simple reverse dollar cost averaging concept we can show you how to increase your client's overall yield by transferring your penalty free withdrawal into another annuity with higher rates. 
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