Sharpen Your Arsenal — It’s Separation Season Again

There are times in this business when you can coast — and there are times when you need to go to war - metaphysically!

Right now? It’s the latter.

We are in Separation Season.

Now usually, I say Separation Season begins in January. That’s when the top agents tend to kick into high gear while others are still "getting ready" for the new year . And guess what? That’s our cue. But this year is different. The stakes are too high - economically, politically even culturally. Volatility is everywhere. Clients are confused and those folks in "middle America" are desperate for a helping hand. And guess what - that is our cue!

Because in chaotic times, people crave leadership. They need clarity and are looking for guarantees, not maybes. And as annuity agents, we’ve got the products, strategies, and the weaponry to help clients. Ask them - "What keeps you at night? When you put your foot on the floor when you get out bed in the morning - what financial concerns do you have?" Take that cue from your prospect and feel confident that you are the one who can be the hero and complete their dream retirement. 

Let’s take stock of the arsenal available to you right now:

​Roth Conversion Power Plays – You can help clients reposition tax-deferred IRAs into tax-free income streams for life, and many carriers are making it seamless with built-in platforms and calculators. We can walk you through the process step-by-step.

Double-Digit Premium Bonuses – Yes, they’re real, and yes, we’ve got them. These can be a powerful tool for repositioning underperforming assets — especially annuities bought years ago at 2-3% fixed rates.

Double-Digit Cap Rates – Indexed crediting strategies with caps over 10%, on the S&P and other volatility-controlled indices. Some of these products offer zero spreads and strong par rates, too.

Fixed Rates in the 10% Neighborhood – You read that right. There are FIAs right now with first-year fixed buckets offering north of 10%. That’s the kind of guaranteed yield your clients didn’t think existed anymore.

Income Riders – Guaranteed income for life continues to be the biggest fear point for those in or nearing retirement age. FIAs with guaranteed lifetime income riders are hotter than ever. There are even one or two carriers that have income increases built-in to the product - without taking a lower initial payout. Let us know if you would like to learn more about this FIA that helps keep up with inflation!

Chronic Illness and Nursing Home Protection – It’s more than just accumulation and income. The right contracts offer enhanced benefits for long-term care triggers, with no underwriting and no monthly premiums. And a handful of carriers will allow the income to double on a joint basis! Again - contact us for more information on this topic as well.

Look, clients with money in money markets earning 4.3% or 5% might think they’re doing fine — but they’re not seeing the big picture. They’re trading short-term yield for long-term uncertainty. We’ve got MYGAs that beat the banks, and FIAs that crush them, all with safety, guarantees, and the potential for even more upside.

Just look below at some of the weaponry in your arsenal:

• Guaranteed income client's can’t outlive
• Safe accumulation with no downside risk
• Protection for life events that will happen to many —About 70% of folks age 65 or older will need some form of long term care during their lifetime. 

At The Ohlson Group, we don’t just give you access to great products. We give you reasons to move to us. Our Quarterly Incentive Program rewards producers who step up — write $250,000 or more in paid FIA premium (or life equivalent), and you’re in the bonus pool. And the more you write, the more we pay you. Make us break the bank!

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​Until Next Time – Good Selling! 

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