"I can do better in the market" or "the fees are too high"

Show what he gives up, what stays protected and where the fees sit. Say when stocks could do better.

1. 1.

   Paste the case and send it. It runs two quotes, which spend credits.

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   Using Annuities Genius: my client says he can do better in the market and that annuity fees are too high. He is 61, in Nevada, with $250,000 from an IRA (retirement account) rollover. I'm an independent agent paid by commission. Compare S&P 500 fixed indexed annuities (FIAs) without deciding one fits him. Show honestly what he gives up and what is protected, with numbers from each product. List each fee, who pays it and what it is charged on. Then search again for FIAs with no rider fee and no account fee. Compare those with the first product. Name the AM Best rating of both carriers. Flag any fee-based (Advisory) product. Say what the data does not cover. Say when stocks would likely do better. Do not recommend a product until I provide the full consumer profile and verify current carrier documents. No promises of returns.

   Select the text and copy it.

   A backtest is hypothetical, sometimes using dates before the index existed. Check the launch date, live history, current formula and rider charge. Never treat it as an actual result or expected return.

2. 2.

   Read the two lists: the upside he gives up, and the protection he keeps.

   The index credit cannot go below zero. The minimum contract value can start below what he puts in.

3. 3.

   Find each fee and what it is charged on. Check what each fee buys. Then compare the product without rider or account fees.