Read the fine print: bonus, buffer, crediting

Check what a bonus costs, whether a buffer annuity fits, and how each account credits interest.

Clients ask about bonuses and buffers. Your AI lays out the fine print. You choose the right product for the client and close the case.

Uses credits

You'll learn to

• Compare a bonus fixed index annuity (FIA) with a no-bonus one
• Shortlist buffer annuities (RILAs, also called structured annuities)
• Read caps, participation rates and spreads in one table

In this guide

1. 1. Compare bonus and no-bonus annuities
2. 2. RILA (buffer annuity) or index annuity?
3. 3. Build and check an annuity crediting table
4. 4. Which index has done best, and who offers it?