A whole proposal, from goal to next date

A couple wanted growth, not income. The agent ran the proposal meeting in a fixed order, from goal to next date.

Do it in Genius

All cases→ your client→ proposal card→ Preview

Practice Client, 3 Nov 2026: Preview reads "Step 4 of 8: Your recommendation", with Book a call. It is an income proposal.

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1. 1.

   He stated the goal in one line. Then the simple part first: fixed-rate contracts with different terms, so penalty-free windows come in steps.

   In Genius: MYGAs, on $150,000 (Practice Client, 3 Nov 2026). 5 years at 6.3% earns $53,591 and 10 years at 6.25% earns $125,030. Read what happens at each term end.

   • Open MYGAs in the app
2. 2.

   Then the complex part: the index contracts. After the pros he gave the cons, starting with the surrender charge.

   In Genius: Marketplace, FIAs. Each row shows its surrender years and the best strategy's Rate of return, a projection, not a promise.

   • Open FIAs in the app
3. 3.

   He asked for first thoughts. The client was confused about the index. The agent said the point is that nobody knows the market's future.

   In Genius: Index tracker, column INCEPTION: years before that date are calculated backward, not real history.

   • Open Index tracker in the app
4. 4.

   He named what happens next and set the date. He asked the couple to write down every question.

   In Genius: More, Instant proposal, Preview, then section "Your Next Steps". On commission? Ask GrantAI for a product without Advisory.