Fixed Indexed Annuities: A Strong Bond Alternative in an Uncertain Interest Rate Environment2/27/2025  In today’s interest rate environment, financial professionals are searching for ways to protect their clients' assets while still offering growth potential. With bond markets facing volatility and traditional fixed-income yields remaining uncertain, fixed indexed annuities (FIAs) have emerged as a great alternative. As we all know, unlike traditional bonds, FIAs offer principal protection, tax-deferred growth, and the ability to participate in market upside without the risk of market losses. This combination makes FIAs an attractive solution for clients seeking stability, growth, and guaranteed income options, particularly as we navigate the ever-changing economic landscape. Why FIAs Make Sense as a Bond Alternative?Traditionally, bonds have been a go-to asset for conservative investors, offering steady income and lower risk. However, in today’s economic climate, bonds carry interest rate risk—when rates rise, bond values fall. Additionally, bond yields have struggled to keep pace with inflation, leaving investors searching for alternative solutions that can provide both protection and reasonable returns. FIAs, by contrast, provide a unique advantage:
Navigating the Annuity Landscape with Ohlson GroupFinding the right FIA to fit your clients’ needs can be overwhelming, given the variety of products and features available. That’s where Ohlson Group comes in. Nick and Joe Ohlson have been helping agents find product solutions for over 20 years and our marketing team is well-versed in the annuity and life insurance marketplace. TakeawayWith interest rates in flux and market uncertainty persisting, fixed indexed annuities are an excellent bond alternative for clients seeking growth potential with downside protection. Whether you're looking for better product options, expert guidance, or a lead generation program, Ohlson Group is here to help. Contact the Ohlson Group today with case details!
 In today’s unpredictable market, insurance agents specializing in annuities have a unique opportunity to provide clients with a powerful solution: Guaranteed Lifetime Withdrawal Benefit (GLWB) Riders, also known as Lifetime Income Riders. These riders not only offer guaranteed income but also provide higher payout potential than traditional investment strategies—without the risk of market downturns. Why Lifetime Income Riders Can Outperform the 4% RuleFor years, financial advisors have relied on the 4% withdrawal rule, a strategy that assumes retirees can safely withdraw 4% of their portfolio annually without running out of money. However, in a volatile market, this rule is shaky at best. Market declines can quickly deplete a retiree’s assets, forcing them to either reduce withdrawals or risk outliving their savings. With annuities featuring Lifetime Income Riders, your clients don’t have to gamble on market performance. Instead, they receive contractually guaranteed income for life, regardless of economic conditions. Unlike traditional investments that require clients to self-manage withdrawals, annuities guarantee exact payout numbers, ensuring peace of mind for retirees who need reliable income. Higher Payouts Than Investment Advisors Can OfferOne of the biggest advantages of annuities with Lifetime Income Riders is the ability to offer higher income than traditional investment strategies. Many advisors use a safe withdrawal rate of 3-4%, but annuities can provide 5% or more, depending on age and product selection. This means:
By locking in higher payouts, clients can enjoy their retirement without the anxiety of stock market fluctuations. The Ohlson Group Advantage: Helping You Close More Annuity CasesAt The Ohlson Group, we specialize in helping insurance agents put together strong, competitive annuity cases. Whether you’re looking for the best product for a specific client or need marketing support to grow your annuity business, Nick Ohlson, Joe Ohlson, and our experienced team are here to assist you. We provide:
With our expertise, you’ll be able to confidently present annuity solutions that outperform traditional investment strategies. Final ThoughtsIn a market where uncertainty is the norm, Guaranteed Lifetime Withdrawal Benefit Riders provide security, predictability, and higher income payouts. Unlike traditional investments that leave retirees at the mercy of market swings, annuities guarantee their income for life. Partner with Nick Olson, Joe Olson, and The Ohlson Group marketing team to bring these powerful solutions to your clients. Let’s grow your annuity business together! Want to learn more? Contact The Ohlson Group today and start putting together your next successful annuity case!
 For annuity producers, one of the most challenging parts of the sales process is simply getting a prospect on the phone. Leads may express interest in learning more about their retirement options, but life gets busy—and answering an unexpected call isn't always a priority. If you’re finding it difficult to connect with leads, you’re not alone. Fortunately, with a thoughtful approach and strategic outreach, you can increase your chances of landing that crucial first appointment. Here are practical strategies to help you work your leads better and overcome the phone connection hurdle. 1. Consistency is Key: Create a Call ScheduleIt’s important to be persistent—without crossing the line into being pushy. Data shows that multiple follow-up attempts dramatically improve the chances of making contact with a lead. Suggested Call Schedule:
Persistence signals professionalism and genuine interest—not desperation—when done respectfully. 2. The Goal of the First Phone CallThe objective of the initial call isn’t to close a sale. Instead, focus on building rapport and setting a time for a more in-depth conversation. What to Say:
Remember--you’re not selling the product on this call; you’re selling the appointment. 3. What to Say If You Need to Leave a VoicemailMany leads won’t answer on the first call. Leaving a warm and professional voicemail can encourage them to return your call. Voicemail Script: “Hi [Name], this is [Your Name] with [Company Name]. You recently expressed interest in learning more about retirement strategies, and I wanted to personally follow up. I’ll try reaching you again soon, but feel free to call or text me at [Phone Number] if that’s easier for you. Looking forward to connecting!” Keep it short, friendly, and actionable. Avoid overwhelming them with too much information. 4. Effective Follow-Up EmailsEmails can reinforce your phone outreach and give leads a way to respond on their own time. Email Template: Subject Line: Quick Follow-Up to Your Retirement Inquiry Body: Hi [Name], I wanted to follow up on your recent interest in retirement strategies. I’d love to schedule a quick call to answer your questions and share some insights tailored to your situation. What does your schedule look like this week for a 15-minute conversation? Feel free to reply to this email or call/text me directly at [Phone Number]. Looking forward to connecting, [Your Name] [Your Title/Company Name] 5. Using Text Messages StrategicallyTexting is an increasingly effective way to reach leads who may not respond to calls or emails. Text Message Example: “Hi [Name], this is [Your Name] from [Company Name]. Just following up on your request for retirement info. When would be a good time for a quick call? Feel free to text me back if that’s easier!” Texts should always be short, respectful, and easy to respond to. 6. Build Trust Through PersonalizationPersonalization shows the lead that you’re genuinely interested in their unique situation. Use any available information from the lead form to tailor your outreach. For example: If the lead mentioned they’re nearing retirement, acknowledge that in your messaging: “Many clients I work with are navigating the transition from work to retirement, and I’d love to share some strategies that might benefit you.” 7. Don’t Give Up Too SoonIt’s easy to feel discouraged when calls go unanswered, but persistence pays off. Studies show that it can take 5 to 8 contact attempts before reaching a decision-maker. Stay consistent, professional, and optimistic.
By following these strategies—and balancing persistence with respect—you can increase your chances of connecting with leads, building relationships, and ultimately helping more clients secure their financial future. Happy calling, and good luck landing those appointments! |
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