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FREE Annuity Quote – Annuity Ratewatch

FREE Annuity Quote – Annuity Ratewatch

FREE Annuity Quote – Annuity Ratewatch

March 25, 2021

Annuity Quoting Tool – Annuity Ratewatch

 

Pinnacle Financial Services makes getting a free annuity quote available to all of their agents through https://www.annuityratewatch.com/ . This software will allow you to quote nearly every fixed and fixed indexed annuity out there. Quote MYGAs, FIAs, and even Lifetime Income rider comparisons. Click here for a tutorial

annuity quote printout

Are you new to Life & Annuity Sales?

If you are just getting started with Life Insurance & Annuities or are just learning about them, click here for more info. Training is provided on products, fact-finding, selling concepts, etc.

Life & Annuity Pre-Set Appointment Program: Details and Costs

  • Pre – Sets: $64 per appointment

Pre-Set Appointments with teachers (k-12 and state colleges/universities), hospital employees, police, firemen, and veterans. All are state or federal pension eligible and/or have individual retirement accounts. You pick when you want appointments through a shared calendar. Appointments currently held virtually using ZOOM, GoToMeeting, or just via phone. No up-front start-up costs. Only pay for appointments that are kept. You are not charged for canceled or rescheduled appointments.

Life & Annuity – Carriers & Commissions

We have a wide range of carriers for life insurance & annuities. Commissions are paid directly from the carrier and differ between carrier and product. You can expect upwards of 100% of the 1st years premium as a commission on life insurance, and between 6% and 8% commission on annuities (on average).

Life Insurance & Annuity Highlight Sheets

There are so many solutions out there today. Keeping things simple and conceptual for clients is important. These easy one-pagers can help convey concepts in a clear concise manner. Reach out to an annuity and life team member for more information.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Josh Horton

Josh Horton

Assistant vice president | Life & Annuity

x7707 | jhorton@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

CallEmail

Nationwide Annuity – Exclusive Distribution

Nationwide Annuity – Exclusive Distribution

Nationwide Annuity – Exclusive Distribution

March 19, 2021

Pinnacle is one of the select few FMO’s offering new Peak 10 Nationwide Annuity. This fixed indexed annuity from an A+ carrier provides clients with safety, growth, and lifetime income. Click here for Nationwide’s dedicated Peak 10 page: Nationwide Peak 10 Toolkit

Peak 10 Highlights

  • Uncapped Indexing strategies with JP Morgan, AllianceBernstein, and S&P
  • 2 Income Rider options:
    • 4% roll-up (built-in)
    • 10% bonus and 7% roll-up (1% fee)
  • Optional Spousal Death Benefit Enhancement
  • Concierge Care Service

Interested in Contracting?

Fixed Indexed Annuities in Retirement

Fixed annuities can present a great solution for many in retirement today. These are FIXED annuities so not subject to market risk. Clients can earn interest by keeping pace with inflation. Many Indexed Annuities, such as Nationwide Peak 10, provide guaranteed lifetime income as well.

Annuity Quoting Tool

Every Pinnacle Agent gets access to AnnuityRatewatch for free

Annuity Whitepaper

Contact us for complementary Annuity Whitepaper and Fact-Finding Tools.

Life, Annuity, & LTC Pre-Set Appointment Program

We provide agents with pre-set appointments with State and Federal employees at a very low cost. This program sets exclusive appointments with pension-eligible employees. No commitment or up-front cost. Can be on appointment and selling very quickly. Pre-Set Appointment Best Practices

Are you new to Life, Annuity Sales?

If you are just getting started with Life, Annuity, and/or LTC products or are just learning about them, Click here for more info. Training is provided on products, fact-finding, selling concepts, etc.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Josh Horton

Josh Horton

Author Position

x7707 | jhorton@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

CallEmail

Long-Term Care Insurance: Hybrid Life & Annuity Options

Long-Term Care Insurance: Hybrid Life & Annuity Options

Long-Term Care Insurance: Hybrid Life & Annuity Options

February 22, 2021

Traditional Long-Term Care

We have several traditional LTC options with A-rated carriers. Clients can buy LTC as a single person, or as a joint policy with their spouse. Married couples will receive a marital discount whether both apply or just one. Clients generally pay premiums over a lifetime although we do have limited pay options.

doctor holding elderly hand

Hybrid Life & Annuity LTC Options

Most of the LTC planning today is done using hybrid Life & Annuity products. Click here for more info on the costs of LTC and how Hybrid plans are footing the bill.

Life LTC Hybrid

Life insurance with Accelerated Death Benefit for Chronic/Critical/Terminal illness. Some will accelerate the full Death Benefit while others are limited. More involved LTC Riders can be added with some carriers. Premiums can be paid systematically or in lump sum. Click here for more on how hybrid life insurance is paying LTC claims.

Annuity LTC Hybrid

Generally require a lump-sum premium. Many of the guaranteed lifetime income annuities offer income enhancements for LTC. Some are for nursing homes only while others cover home care as well. Some annuities have more robust enhancements than others so picking the right product for the client is important. Click here for info on NEW exclusive Nationwide PEAK 10 Annuity.

LTC Quoting Tool

Every agent can quote LTC on our website for free.

LTC Whitepaper & Fact-Finder

Contact us for complementary LTC Whitepaper and Fact-Finding Tools.

Life, Annuity, & LTC Pre-Set Appointment Program

We provide agents with pre-set appointments with State and Federal employees at a very low cost. This program sets exclusive appointments with pension-eligible employees. No commitment or up-front cost. Can be on appointment and selling very quickly. Pre-Set Appointment Best Practices.

Are you New to Life, Annuities, and/or LTC Sales?

If you are just getting started with Life, Annuity, and/or LTC products or are just learning about them, click here for more info. Training is provided on products, fact-finding, selling concepts, etc.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x6003 | lifesales@pfsinsurance.com

Josh Horton

Josh Horton

Assistant Vice President - Life & Annuity

x7707 | jhorton@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

CallEmail

Annuity Lead Programs

Annuity Lead Programs

Annuity Lead Programs

February 2, 2021

Here at Pinnacle Financial Services, we get asked every day about annuity lead programs. What are the best ones? Costs associated? And how to work them.

Life & Annuity Pre-Set Appointment Program

We provide agents with pre-set appointments with State and Federal employees at a very low cost. This program sets exclusive appointments with pension eligible employees. No commitment or up-front cost. Can be on appointment and selling very quickly. Pre-Set Appointment Best Practices

Annuity Lead Programs: Are you new to Life & Annuity Sales?

If you are just getting started with Life Insurance & Annuities or are just learning about them, click here for more info. Training is provided on products, fact-finding, selling concepts, etc.

Life & Annuity Pre-Set Appointment Program: Details and Costs

Pre – Sets: $64 per appointment

Pre-Set Appointments with teachers (k-12 and state colleges/universities), hospital employees, police, firemen, and veterans. All are state or federal pension eligible and/or have individual retirement accounts. You pick when you want appointments through a shared calendar. Appointments currently held virtually using ZOOM , GoToMeeting , or just via phone. No up-front startup costs. Only pay for appointments that are kept. You are not charged for canceled or rescheduled appointments.

Life & Annuity – Carriers & Commissions

We have a wide range of carriers for life insurance & annuities. Commissions are paid directly from the carrier and differ between carrier and product. You can expect upwards of 100% of the first years premium as a commission on life insurance, and between 6% and 8% commission on annuities (on average).

Annuity Quoting Tool – Annuity Ratewatch

Every agent contracted at PFS will have access to Annuity Ratewatch for free. This software will allow you to quote nearly every fixed and fixed indexed annuity out there. Quote MYGAs, FIAs, and even Lifetime Income rider comparisons. Click here for a tutorial.

Life Insurance & Annuity Highlight Sheets

There are so many solutions out there today. Keeping things simple and conceptual for clients is important. These easy 1 pagers can help convey concepts in a clear concise manner. Click here to receive highlight sheets.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Josh Horton

Josh Horton

Assistant Vice President - Life & Annuity

x7707 | jhorton@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

CallEmail

Who Qualifies for an Annuity?

Who Qualifies for an Annuity?

Who Qualifies for an Annuity?

September 22, 2020

Finding qualified prospects is probably the biggest challenge for most financial professionals. But before we can start hunting for prospects, we must first determine our target market and ask, who qualifies for an annuity. There are several different types of annuities today, which means several types of annuity candidates. Provided are examples of some prime prospects that an annuity would be suitable for.

piggybank

One of the biggest fears of people in retirement today is the fear of running out of money. Most people today will be relying on a retirement account such as an IRA in order to replace wage earnings with income in retirement. These clients who need a known income stream can be great candidates for an annuity. Many fixed indexed annuities today offer guaranteed lifetime income features – these give clients the ability to receive guaranteed income and preserve remaining principal account balance along the way.

Most Americans are also concerned about market volatility in retirement. Now more than ever with the market crash in February and recent volatility. Many are worried about the economic outlook and the upcoming presidential election with respect to how it will affect their retirement accounts. Fixed annuities will provide clients with guaranteed rates of return regardless of market volatility. People are looking for guarantees, and these people may benefit from a fixed annuity.

Fixed and fixed indexed annuities can also provide clients better rates of return than other fixed instruments today. Interest rates, coupled with the tax-deferred nature of annuities, make them great options for clients/prospects looking for better rates of return. Clients needing Long Term Care protection or guaranteed payments in the event of death may also be good candidates for annuities. Many annuity products have enhanced payouts for LTC and/or death.

At Pinnacle Financial Services we can help determine if your client qualifies for an annuity. Just like picking the right tool for the job, we must know what job we are doing before we pick the tool! With the wide variety of annuity products today, picking the right option for your client is important. Give us a call today to discuss the annuity solutions we provide here at PFS.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x6003 | lifesales@pfsinsurance.com

Josh Horton

Josh Horton

Senior Sales Director - Life, Annuity, & LTC

x7707 | jhorton@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

CallEmail