We are general agents for many annuities in almost all 50 states. We:

• Assist you in getting trained to sell our products
• Supply appointment paperwork and brochures
• Supply you with rates and forms

The resources below include:

• Broker Tools
• Forms & Applications
• Annuity Terms Defined
• Learn More About Annuities
• Annuity Resources
• Annuities Regulation & Product Updates
• Annuity carrier contacts for consumers & agents

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Broker Tools

Online Deferred Annuities

Current Annuity Rates

• Search for Annuities–

Single Premium Annuities, Deferred Annuities, Flexible Premium Deferred Annuities, Single Premium Immediate Annuities, CD Annuities. Most available either Qualified or Non-Qualified.

Single Premium Immediate Annuity Quotes

• American National

Please call for the latest most competitive quotes from other competitive carriers.

Annuity Purchase Program

Get cash for your unwanted Annuity »

Impaired Risk Immediate Annuities

Illness and Injury Underwriting Guidelines »

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Forms & Applications

• Annuity Forms
• Licensing Forms
• Annuity Training Links

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Annuity Terms Defined

SPDA	Single Premium Deferred Annuity. You can’t add to it.
FPDA	Flexible Premium Deferred Annuity. You can add to your account from time to time.
IMMEDIATE ANNUITY	You give us the money now. We pay you a Pension, usually for Life, or for as long as either you or your significant other live. Since Annuities come with built in peace of mind Annuitants seem to live forever, and continue to receive income as long as they live.
RATED ANNUITY	An Immediate Annuity that pays you a larger pension because you have some medical condition that causes your life expectancy to be shorter than normal.
COMPANY RATINGS	A measure of the Carriers ability to meet its obligations. Only important if you are concerned about the carrier’s ability to pay – when you want your money.
BONUS RATE	A Contractual Guaranteethat the interest rate will drop at the end of the first year. Bonus Rates are great for the Carrier, not so great for the Customer.
CD ANNUITY	A CD Annuity is an annuity where the Surrender Charge period does not extend beyond the Guarantee Period. Frequently best for your client. Almost always pays a lower commission because the company is deprived of the opportunity to screw your client.
RATE GUARANTEE	Interest Rates may be Guaranteed for as little as One Year, or for Two, Three, Four, Five, Seven Years, even up to 10 years.
SURRENDER CHARGES	Ideally the Surrender Charges should not extend beyond the Rate Guarantee. Where they coincide, we refer to this as a CD Annuity. With a CD Annuity, if you don’t like the new interest rate being offered, you can take a hike with no penalty.

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Learn More About Annuities

• What is an Annuity?
• Understanding Rated Annuities
• SPIA Solutions
• Sales Letter that Really Works
• Become Licensed with Any of Our Carriers

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Annuity Resources

• AARP – Financial Planning – A good retirement income calculator, Articles on retirement funding vehicles, tips, and more.
• About.com – Guide to Retirement Planning – Many articles and links from respected sources, as well as state and federal agencies.
• American Savings Education Council – Tools and resources to help you “ballpark” how much you will need to retire.
• CNN Money – Basic retirement concepts graphically illustrated and explained.
• The Motley Fool – Advice, ideas, humor on investment basics and personal finance.
• Morningstar.com – Helpful articles and information on investing.
• Smart Money – Retirement Planning – Valuable articles and links to relevant sites.

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Annuities Regulation & Product Updates

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