Part 1 of 2
Verify a draft before a client sees it
Check the draft against current product data. Then apply the same five checks to every figure.
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1.
Paste this. Put your own draft in the brackets. Swap in your client's ages, state, money type and amount. Change when income starts.
Using Annuities Genius, check my draft before I send it to my clients. She is 62 and he is 64. His Traditional IRA holds $400,000. They live in California. They want joint income from when she is 67. My draft: [paste your draft here]. Check each figure in Annuities Genius. Verify every client-facing rate, guarantee, fee and projection in current carrier documents, authorized illustrations or a prospectus. Is every figure dated and current? Can I sell it as an independent agent paid by commission? Is it open in California at their ages? Does any "lifetime" income come from a product that pays only for a set period? Is anything promised that is not guaranteed? List what I must fix.
Select the text and copy it.
The draft can be an email, a summary or a list.
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2.
Read the list, fix the draft, then run the check again if you changed a figure.
Advisory means sold for a fee, not commission: your AI should name each one. It cannot confirm your licenses, contracts or commission: ask your agency.
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3.
If the list says a lookup failed, ask your AI to run that check again before you send.
Do not send a figure the list calls unverified.
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4.
Paste this list into the same chat, right after the answer you plan to use.
Check your last answer against Annuities Genius today, one point at a time: 1. The date of every figure, and any rate change that is scheduled. 2. How each product is sold, and whether it is sold for commission. 3. Whether it is sold in my client's state, at my client's age. 4. The guaranteed value, next to every projection. 5. Whether any "lifetime" income comes from a product that pays only for a set period. List what I must fix.
Select the text and copy it.
The AI shows how a product is sold. It cannot confirm your licenses or contracts: ask your agency or broker-dealer.
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5.
Read the answers. Send back any figure with no date.
On an income quote, "Certain Period Only" in the payout options is not lifetime income.
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6.
Never send a projected balance alone. Put what the contract promises beside it.
A roll-up grows the income base, not cash the client can withdraw.