My intention is merely to educate, not to "gang up" on people. The Indexed Annuity industry has found itself to be in the current position largely due to misunderstanding and misinformation in the press. Therefore, I blog. I write articles. I speak in front of hundres of agents and registe...

Big Dog, Are you familiar with the differences between the complaint resolution process for consumers between the securities industry and the insurance industry? Far more efficient and far less costly on the insurance side. In addition, are you taking into consideration that a life insurance agent g...

Amen, etimer! You are right on!!

I have read the comments too, and you are absolutely right!

PLEASE SUBMIT YOUR COMMENTS- intelligent, articulate comments. Thank you! sm

If you need any help, please feel free to direct all agents to a newly-created portion of my website at http://www.annuityspecs.com/SECRuling.aspx . This section is strictly dedicated to keeping agents, marketing organizations, and insurance carriers up-to-date with the SEC's documents/videos/commen...

The bottom line is that the money that backs these products is held in the insurer's general accounts, not the separate accounts (like a securities product). The insurance company bears the risk, not the client (such as on a securities product). The only item that bears addressing is whether, or not...

It is NOT possible to lose money in an Indexed Annuity as a result of a decline in the index. It IS possible, however, to lose money in an Indexed Annuity as a result of early withdrawal. That is where that 90% @ 3% comes in- this is the minimum guaranteed surrender value. (Not to be confused with t...

My name is Sheryl J. Moore, and I am an independent market research analyst that owns a consulting firm which tracks every product and company in the indexed annuity market, as well as the sales of the products. I have been awaiting this segment, and warning my clients in the indexed annuity market ...