Start from clients you already serve

Start with clients whose needs may fit an annuity. Discuss annuities separately from any Medicare Advantage or Part D sales appointment.

1. 1.

   Fixed or index annuities need state life authority. A health-only license is not enough.

   You also need annuity training and carrier appointments. Variable annuities and registered index-linked annuities require the proper securities channel.

   • Your state sets the rules and training: find your state insurance department
2. 2.

   Paste this. Swap in the age, state, type of money and amount of a client from your book. Leave out the name.

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   Using Annuities Genius: most of my clients are on Medicare and I'm new to annuities. What kind of client should I talk to first, and what is one plain question to open the talk? Then show me one example for a typical client in my book. The client is 66, in Kentucky, with $100,000 in the bank (non-qualified). I'm an independent agent paid by commission, so only show products sold through the independent agent channel and skip fee-based (Advisory) products. This is for learning, not a recommendation.

   Select the text and copy it.

   Your AI names the kind of client to call first, gives one opening question and shows an example.

3. 3.

   Use the question in a separate conversation. Never market annuities during a Medicare Advantage or Part D sales appointment.

   Federal Medicare rules bar marketing non-health products there. Follow plan rules. Also follow your carrier and firm rules for separate contact.

   See also:

   • Hand it a whole client case
   • Client asks: annuity or life insurance?