Refinancing Your Client's Retirement Plan 2.0

Agents in the field—let me keep this brief.

We are in a unique window of opportunity right now. Yesterday, the Fed made headlines by holding interest rates steady. And while that decision might be a setback for first-time homebuyers, it’s tremendous news for our business.

Why? Because it means our annuity rates, our caps, and our MYGA rates remain strong—not just competitive, but compelling.

Take a look at what we’ve got on the table:

• Income riders with doublers for not just single lives, but joint coverage
• 10-year fixed indexed annuities offering bonuses north of 20%—with no fees
• True long-term care annuities that pay tax-free benefits for LTC events—plus strong accumulation growth even if care isn’t needed
• Single premium life products that are back in a big way—simplified issue, no med exams, no hassle. Return of premium guarantees and chronic illness benefits. 

We highly recommend you have a brand for your business. That is why we purchased www.SafeMoneyPlaces.com, a platform we acquired over 15 years ago because we believe in branding and credibility. We offer custom Safe Money Places-themed  websites for our agents, complete with a badge that says:

“I am a Proud Member of the Safe Money Places Agent Network.”

And let me be clear:
This isn’t about churning business. This is about professional repositioning—helping your clients refinance their retirement into a better, stronger, more flexible plan for the road ahead.

Many of you likely wrote a ton of annuity policies in 2020 and 2021. If your clients are sitting in contracts with caps at 2% or 3%, we all know those aren’t going up anytime soon. But now? We can take them out of those underperforming annuities and give them a premium bonus, better caps, and stronger long-term upside thanks to this high-rate environment.

The pressure’s mounting on the Fed. GDP is strong. Inflation may be slowing. But who knows what the next Fed meeting brings?

What we know is this:
We’ve got another quarter to lead the conversation with confidence. MYGAs, FIAs, and income riders are as strong as ever—and now’s the time to strike. I say it all the time, but I mean it every time: This is your chance to be the hero.

Go rescue those tired old annuities. Call us for help—we’re ready. And as always, we deeply appreciate your partnership and your business.

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Until Next Time – Good Selling! 

​Joseph R. Ohlson LUTCF
President
1-877-844-0900
[email protected]