The Golden Age of Annuities

Ladies and gentlemen, I’ve used this phrase several times over the last few years, but I did not think I’d still be using it in August of 2026.

We are still in the golden age of annuities.

Folks, just look around. Look at what’s going on in the world. There’s geopolitical uncertainty in nearly every corner of the Earth. Consumers are concerned and downright nervous.

The market has continued to climb through an incredible amount of uncertainty, while war, pressure on oil and prices, and political divisiveness have left many clients wondering when the other shoe is finally going to drop on their equity portfolios.

But you’re not worried.

You’re the hero in this story. You’re Superman—or Superwoman—the capped annuity crusader! You may not be able to stop a market downturn, but much like Superman, you have superpowers!

You have the power to shield your clients from market losses while still allowing them to participate in market gains.

You have the superpower of taking a client’s retirement account and turning it into a guaranteed lifetime income. That income rider may also include a chronic illness feature designed to further protect your client if they become ill or can no longer perform regular activities of daily living.

And when that market downturn occurs—and surely, at some point, it will—your clients can be the ones sleeping soundly at night, knowing they have a safe-money place and their own Superman or Superwoman on their side. They’ll know their money is protected from market losses beyond their control and that they have a trusted agent looking out for their best interests.

And folks, look at the tools we have available right now.

• We’ve got premium bonuses of more than 20% with no fee to the client.
• We’ve got annual point-to-point S&P 500 cap rates as high as 10.25%, guaranteed for the entire surrender-charge period.
• We’ve got income payouts, income bonuses, and income-rider roll-up rates that are higher than we’ve ever seen.

It’s appropriate that, as we enter late August and harvest time here in Indiana, we remember the old saying:

Make hay while the sun shines.

Because, as with all things throughout history, golden ages never last forever.

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​Until Next Time – Good Selling! 

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