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Sheryl’s Articles

US Sales of Indexed Universal Life Rose 18.7% as Debate Over IUL Illustrated Rates Continues

{November 26th, 2014} by Fran Matso Lysiak

PLEASANT HILL, Iowa – As issues over illustrated rates for indexed universal life insurance are sorted out, competition among companies in the overall universal life product space is growing, according to Sheryl Moore, president and chief executive officer of Wink and Moore Market Intelligence. Third-quarter U.S. sales of indexed universal life rose to $372.8 million, […]

Indexed annuity sales skyrocket

{November 25th, 2014} by Lynette Gil

A new report from Wink, Inc., the 69th edition of Wink’s Sales & Market Report, which took into account 99.8 percent of indexed annuity production and with 47 indexed annuity carriers as participants, reveals that the market can easily do over $45 billion in sales by the end of this year. A total of $11.4 […]

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Sheryl J. Moore’s NAIC Comment on IUL Illustrated Rates

{November 5th, 2014} by Sheryl J. Moore

September 28, 2014     National Association of Insurance Commissioners Mike Boerner, Chair of Life Actuarial Task Force Texas Department of Insurance 333 Guadalupe Austin, TX 78701     Moore Market Intelligence Sheryl J. Moore 5148 E. University Avenue Pleasant Hill, IA 50327     RE: Actuarial Guideline on Illustrations for Indexed Life Insurance Policies […]

Expert Interview with Sheryl Moore About Competitive Intelligence and Retirement for NewRetirement.com

{November 5th, 2014} by Media Shower

Sheryl Moore is the creator, founder, president and CEO of Wink, Inc. After seeing a hole in the insurance industry, Sheryl began developing an idea that turned into the successful company, Wink. Not only did she create a thriving business, but she has also put an energetic, expert team together to offer the best in the […]

Indexed annuity issuer aims for LTC planning market

{October 7th, 2014} by Allison Bell

OneAmerica is going after consumers who hope stock market gains will make their long-term care (LTC) dollars go further. The State Life Insurance Company, a unit of OneAmerica, has introduced the Indexed Annuity Care product, a single-premium annuity contract. The company believes the product to be one of a relatively small number of indexed annuity […]

Navigating the regulatory arena: 6 ways regulation is affecting the annuity industry

{October 1st, 2014} by Paul Wilson

  The last few years have seen dramatic regulatory change in the life/health industry. From financial planners to health agents to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level. What changes are yet to come? And how can you adapt in order to survive and thrive […]

W&S Launches FIA With Goldman Proprietary Index

{September 29th, 2014} by Linda Koco

Insurance holding company Western & Southern Financial Group said in mid-September that it would soon issue a fixed index annuity (FIA) that includes a Goldman, Sachs & Co. proprietary index option. “What kind of FIA will this be?” industry people wanted to know. “And what is global investment firm Goldman doing in there with a […]

Insurance marketing warning issued by state of Iowa

{September 24th, 2014} by H. Cutner

An official agency has now released a statement cautioning consumers of potentially deceptive ads. The Iowa Insurance Division has now released a warning to the residents of the state, cautioning them that certain insurance marketing and ads for annuities may have potentially deceptive messages. The agency has been watching a growing number of marketers that […]

State warns about misleading insurance ads

{September 24th, 2014} by Matthew Patane

Iowans looking at annuities and other insurance products should be wary of potentially deceptive advertisements, a state agency said this week. The Iowa Insurance Division has seen more marketing companies that work with insurance firms use misleading ads to try to attract customers, the division said in a bulletin. Those ads, the division said, give […]

New York Regulators Probe Indexed Universal Life Insurance Marketing- Bestwire

{September 23rd, 2014} by Thomas Harman

ALBANY, N.Y. – The New York Department of Financial Services is investigating the marketing of indexed universal life insurance products, regarded as one of the fastest-growing in the life insurance sector. The letter sent to insurers said DFS “is seeking information from authorized life insurers regarding indexed universal life insurance and the illustrations used to […]

5 ways regulation is affecting the annuity industry

{September 23rd, 2014} by Paul Wilson

The last few years have seen dramatic regulatory change in the life/health industry. From financial planners to health agents to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level. What changes are yet to come? And how can you adapt in order to survive and thrive in […]

RetirePreneur: Sheryl J. Moore

{September 4th, 2014} by Jenna Gottlieb

What I do: I own two firms. The first, Moore Market Intelligence, assists with the product development of indexed annuities. The second is Wink, Inc., which provides competitive intelligence tools to life insurance and annuity product home offices, distributors, sales professionals, and consulting firms. My grandmother would say that I’m the president of an insurance […]

Hybrid Indexes Help Spur FIA Sales

{September 3rd, 2014} by Linda Koco

Move over, double-takes. Given that fixed index annuity (FIA) sales have broken yet another quarterly record, and by a wide margin, triple-takes are in order. Hybrid indexes have something to do with this. First, the impossible-to-ignore numbers: In second quarter 2014, FIA sales totaled nearly $12.6 billion — 8.5 percent above the industry’s prior record […]

Why the Middle Market Loves IUL

{September 3rd, 2014} by Linda Koco

Not long ago, a middle-market couple told life insurance agent Michael T. Tierney that they wanted to discuss retirement income. “Right off the bat, they said they have never bought life insurance and they will not buy an annuity or life insurance,” said Tierney, who does college funding through his College Tuition Coaches firm in […]

Indexed annuity sales grow 15.4 percent in 2Q 2014

{September 3rd, 2014} by Sheryl J. Moore

Forty-five indexed annuity carriers participated in the 68th edition of Wink’s Sales & Market Report, representing 99.8 percent of indexed annuity production. Total second quarter sales were $12.6 billion. Second quarter indexed annuity sales were up 15.43 percent when compared to the previous quarter, and up 36.54 when compared with the same period last year. […]

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Wink, Inc. Releases Second Quarter, 2014 Indexed Sales Results

{August 27th, 2014} by Wink

 — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE   INDEXED ANNUITY SALES DOMINATE WITH RECORD-SETTING QUARTER! Wink, Inc. Releases Second Quarter, 2014 Indexed Sales Results Pleasant Hill, Iowa. August 21, 2014- Forty-five indexed annuity carriers participated in the 68th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total second quarter sales were […]

Wink CEO: Increased Sales of Proprietary Products Help Boost 2Q US Sales of Indexed Annuities

{August 27th, 2014} by Fran Matso Lysiak

PLEASANT HILL, Iowa – Increased sales of proprietary products specifically helped to boost sales of indexed annuities in the second quarter of 2014, says the chief executive officer of Wink Inc. Total second-quarter sales of these retirement savings and income products in the United States increased to $12.6 billion, a 36.5% gain from the same […]

Equity Analysts: Life Insurers Must Address ‘Perceptions of a Rising Interest Rate Environment’

{July 22nd, 2014} by Fran Matso Lysiak

OLDWICK, N.J. – Policyholder behavior, as it is affected “by perceptions of a rising interest rate environment,” is a significant concern to equity analysts with Sandler O’Neill, a concern that life insurers must address, they wrote in a research note previewing second-quarter earnings for the industry. Interest rates declined during the second quarter, the equity […]

5 reasons to attend the Advisor Network Summit in Las Vegas

{July 15th, 2014} by Van Mueller

The place to be August 13-15 will be the Advisor Network Summit in Las Vegas. The timing of this meeting is crucial. We are approaching a financial catastrophe. CLICK HERE TO READ “— Sheryl Moore: The annuities expert. I read everything she writes, and I even have a Sheryl Moore file. Moore has helped me […]

Society for Annuity Facts and Education (SAFE), Inc. Elects New Officers

{July 2nd, 2014} by Siobhan McNulty

Washington, DC – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce its newly-elected Officers. Sheryl J. Moore has been elected to the position of SAFE President; Lowell Aronoff has been elected to the recently-added position of SAFE Vice President. Both will serve in their positions through December 2015. Ms. Moore, […]

Moore elected to lead annuity trade group

{June 30th, 2014} by N/A

The Society for Annuity Facts and Education Inc. announced it has elected Sheryl Moore as its president. Moore, president and CEO of Moore Market Intelligence and Wink Inc. in Pleasant Hill, specializes in market research in the indexed annuity and indexed life insurance businesses. The organization also elected Lowell Aronoff, CEO of CANNEX Financial Exchanges […]

Update: Wink CEO: Indexed Universal Life is ‘Toeing the Line’ for All Sales of Universal Life

{June 24th, 2014} by Fran Matso Lysiak

  PLEASANT HILL, Iowa – First-quarter 2014 sales of indexed universal life insurance in the United States rose to $330.3 million, up 3.6% from the same period a year ago, according to Wink Inc., a firm that tracks the data. The first quarter was off to a slow start as sales of individual life insurance […]

Industry Devotes June To Annuity Awareness

{June 17th, 2014} by Cyril Tuohy

The Society for Annuity Facts & Education (SAFE), a nonprofit with the aim of educating consumers about annuities, has joined with an industry coalition to declare June as Annuity Awareness Month. Hardly a day goes by without dire warnings about underfunded retirements and people outliving meager savings, according to members of the coalition made up […]

Game Changers

{June 13th, 2014} by Angelo John Lewis

A new generation of annuity products reflects the industry’s reaction to the financial crisis:  GameChangers

501(c)(3) Tax-Exempt Status Granted to the Society for Annuity Facts and Education (SAFE), Inc.

{June 11th, 2014} by Press Release

Washington, DC (April 8, 2014) – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce it has been granted tax-exempt status as a charitable organization dedicated to educational purposes under Section 501(c)(3) of the United States Internal Revenue Code. SAFE serves as a resource for consumers to learn in a fact-based […]

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WINK SUPPORTS NATIONAL ANNUITY AWARENESS MONTH

{June 3rd, 2014} by Wink

 — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE   WINK SUPPORTS NATIONAL ANNUITY AWARENESS MONTH   Pleasant Hill, Iowa (May 30, 2014) – Wink, Inc. has joined the Coalition for Annuity Awareness in their declaration of June as National Annuity Awareness Month. National Annuity Awareness Month is designed to provide awareness and understanding of annuities and their […]

FIA Sales Off At Athene, Rock At Allianz

{June 3rd, 2014} by Linda Koco

Athene USA tried to hold its ground in first quarter 2014 fixed index annuity sales. It sold more than $571.8 million, qualifying it to be one of the quarter’s top five sales leaders, according to Wink, Inc. However, the carrier still registered a sales decline from the previous quarter and also from first quarter last […]

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Wink, Inc. Releases First Quarter, 2014 Indexed Sales Results

{May 27th, 2014} by Wink

– FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE INDEXED LIFE AND ANNUITY SALES OFF TO STRONG START IN 2014 Wink, Inc. Releases First Quarter, 2014 Indexed Sales Results Pleasant Hill, Iowa. May 23, 2014- Forty-three indexed annuity carriers participated in the 67th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total first […]

Wink: First-Quarter US Sales of Indexed Annuities Up 38.6%; Average Commission to Agents Rises

{May 27th, 2014} by Fran Matso Lysiak

PLEASANT HILL, Iowa – Total sales of indexed annuities in the United States jumped 38.6% in the opening quarter of 2014 from the same period a year ago, as the average commission to sales agents rose 5.8%, up slightly from last quarter’s average, according to Wink Inc. This represented the first increase in the average […]

The top 10 indexed annuity carriers Q1 2014

{May 27th, 2014} by Daniel Williams

According to a [Wink’s Sales & Market Report] market report, indexed annuity sales hit nearly $10.9 billion in the first quarter. That number was a huge jump over the $7.8 billion sold in the same time a year ago, but down 6 percent from Q4 2013. In a blog posted by Sheryl J. Moore, President […]

501(c)(3) Tax-Exempt Status Granted to the Society for Annuity Facts and Education (SAFE), Inc.

{May 13th, 2014} by AnnuityOutlook

Washington, DC (April 9, 2014) – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce it has been granted tax-exempt status as a charitable organization dedicated to educational purposes under Section 501(c)(3) of the United States Internal Revenue Code. SAFE serves as a resource for consumers to learn in a fact-based […]

Adopting the NAIC Model

{May 6th, 2014} by Fran Matso Lysiak

State action on annuity sales suitability is predicted for 2014 following the Federal Insurance Office report. Source: Best’s Review (March 2014 Issue)The annuity industry is gearing up for action in the states on annuity sales suitability laws after the release of the Federal Insurance Office’s report recommending that every state adopt and enforce the National […]

24 most creative people in insurance

{April 29th, 2014} by Vanessa De La Rosa, Noah Guillaume, Emily Holbrook, Nichole Morford, Paul Wilson

Insurance is an industry that depends upon data to accurately assess and manage risk. It is inherently a cautious business — and slow to change, many would add. But it is also a business designed to problem-solve, to engineer, to market and sell customized solutions to a consumer base that needs its products more than […]

Indexed annuities had record sales in 2013

{April 24th, 2014} by Victor Epstein

The indexed annuities industry benefited from surging stock markets in 2013, which helped boost its annual sales to a new record for the fifth consecutive year. The industry, which has a heavy presence in the Des Moines area, reported that its annual sales rose 13.4 percent from the prior year to $38.7 billion, according to […]

Gay advocacy group calls 2014 “watershed year” for corporate America

{April 24th, 2014} by Victor Epstein

Larry Zimpleman, chief executive officer of the Principal Financial Group, established himself as one of the gay community’s corporate allies this week, during a company-wide screening of a video supporting gay, lesbian and transgender employees and teens. Insurance companies and their CEOs have a reputation for being conservative, but Zimpleman indicated that he believes the […]

Why FIA Sales Galloped To New Records

{April 8th, 2014} by Linda Koco

Fixed index annuities put the pedal to the metal in 2013. The major annuity researchers show sales premium for the products ringing in very close to $40 billion, a new record. In fact, this was the fifth consecutive record-setting year for fixed indexed annuity (FIA) sales, according to Sheryl J. Moore, president and chief executive […]

The Great Life-Insurance Temptation

{April 4th, 2014} by Leslie Scism at leslie.scism@wsj.com

Life-insurance policies have gotten a surprising sales boost from a rising stock market. But if share prices sag, customers could be in for a shock. The recent rally has increased the appeal of two types of life insurance that link benefits to stocks: “variable universal life” and “indexed universal life.” Last year, when the S&P […]

Trends in Regulatory Oversight – Part 1: “The Battle Over Standard of Care”

{April 1st, 2014} by Kim OBrien

Message From President I have never been much of a conspiracy theorist. In fact, those who know me would probably peg me as a Pollyanna of all things positive. However, there is no doubt here at NAFA that our fight to protect the fixed annuity didn’t end with Rule 151A. And for those who think […]

Wink CEO: Indexed Annuities Made Up Nearly 46% of All US Fixed Annuity Sales in 2013

{March 25th, 2014} by Fran Matso Lysiak

PLEASANT HILL, Iowa – As sales rose for the fifth consecutive year in 2013, indexed annuities also made up nearly 46% of all fixed annuity sales, while two of the top five companies are now owned by private-equity firms, according to the chief executive officer of Wink Inc. Total sales of indexed annuities in the […]

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INDEXED LIFE AND ANNUITY SALES CONTINUE THEIR RECORD BREAKING SALES STREAK!

{March 18th, 2014} by Jamie Johnson

      News Release INDEXED LIFE AND ANNUITY SALES CONTINUE THEIR RECORD BREAKING SALES STREAK! Wink, Inc. Releases Fourth Quarter, 2013 Indexed Sales Results Pleasant Hill, Iowa. March 13, 2014- Forty-four indexed annuity carriers participated in the 66th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total fourth quarter […]

Indexed annuities had record sales in 2013

{March 18th, 2014} by Victor Epstein

The indexed annuities industry benefited from surging stock markets in 2013, which helped boost its annual sales to a new record for the fifth consecutive year. The industry, which has a heavy presence in the Des Moines area, reported that its annual sales rose 13.4 percent from the prior year to $38.7 billion, according to […]

U.S. indexed annuity sales reach record $36.8 billion in 2013

{March 16th, 2014} by N/A

Indexed annuity sales in the United States reached another record in the fourth quarter, with sales of $11.5 billion, a more than 35 percent increase from the year-earlier period, according to the newest edition of Wink’s Sales & Market Report, which tracks the industry. Annual indexed annuity sales also reached a record $36.8 billion, a […]

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Indexed Life and Annuity Sales Continue Their Record Breaking Sales Streak

{March 14th, 2014} by Press Release

Wink, Inc. Releases Fourth Quarter, 2013 Indexed Sales Results Pleasant Hill, Iowa. March 13, 2014- Forty-four indexed annuity carriers participated in the 66th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total fourth quarter sales were $11.5 billion. In reviewing fourth quarter indexed annuity sales, production was up nearly 15.0% […]

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Indexed annuity sales hit $11.5 billion in Q4 2013

{March 14th, 2014} by Daniel Williams

Total fourth quarter sales hit $11.5 billion for indexed annuities, according to the latest Wink’s Sales & Market Report. The numbers trended up as indexed annuity sales rose 15 percent from the previous quarter and grew 35 percent compared to the same period a year ago. According to Wink’s, data from forty-four indexed annuity carriers […]

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IA Sales Continue Breaking Records

{March 13th, 2014} by Wink

Pleasant Hill, Iowa. March 13, 2014- Forty-four indexed annuity carriers participated in the 66th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total fourth quarter sales were $11.5 billion. In reviewing fourth quarter indexed annuity sales, production was up nearly 15.0% when compared to the previous quarter, and up more […]

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Indexed annuity sales hit $11.5 billion in Q4 2013

{March 13th, 2014} by Daniel Williams

Total fourth quarter sales hit $11.5 billion for indexed annuities, according to the latest Wink’s Sales & Market Report. The numbers trended up as indexed annuity sales rose 15 percent from the previous quarter and grew 35 percent compared to the same period a year ago. According to Wink’s, data from forty-four indexed annuity carriers […]

Allianz Life profits up 10 percent in 2013

{March 4th, 2014} by Jennifer Bjorhus

Rising interest rates are making annuities more attractive. Higher interest rates drove a turnaround for annuities in 2013, boosting profits at Allianz Life Insurance Co. of North America. Operating profits at Allianz Life jumped 10 percent last year to $646 million, the Wayzata-based company said Thursday. Total premiums, or sales, climbed 4 percent from a […]

IAs: Reaching New Heights Of Potential?

{February 18th, 2014} by Cyril Tuohy

You can’t fault insurance carries for wanting to promote their products by using a little branding hyperbole. Words like “secure,” “income” and “protection” figure prominently in the marketing materials of life and annuity companies. After all, that’s what life and retirement insurers are there for: to protect families from longevity risk and unexpected calamities. Now, […]

Why producer payouts are on the rise

{January 7th, 2014} by Warren S. Hersch

Pundits commonly measure the life insurance industry’s financial health and success in terms of product sales, top-line revenue, operating income and other measures that impact the bottom line. Less commonly used yardsticks are the amounts in commission paid to the companies’ agents and brokers.  If guided by this benchmark — albeit one limited to compensation paid […]

New year could bring a boon for annuities

{December 31st, 2013} by N/A

Higher taxes may drive interest in variable and indexed annuities; potential of rising rates could inspire new products Next year could be a big one for variable and indexed annuities, both in terms of sales and product development, as new tax and interest rate realities sink in. This year set what appeared to be a […]

Sheryl J. Moore on the current success of indexed insurance products

{November 24th, 2013} by Paul Wilson

Despite a historically low interest rate environment and other challenging market conditions, indexed annuities recently reached record sales. In the interview below, indexed insurance product expert Sheryl Moore explains why, and exactly what it means to the insurance industry. Additionally, she talks about indexed life insurance sales, the challenges faced by those who sell IUL, […]

Wink CEO: US Sales of Indexed Annuities Gaining Traction in Banks

{November 24th, 2013} by Fran Lysiak

Best’s News Service – November 21, 2013 10:52 AM PLEASANT HILL, Iowa – Total third-quarter 2013 sales of indexed annuities in the United States increased to $10 billion, up 15% from the same period a year ago, according to Wink Inc. Sheryl J. Moore, president and chief executive officer of Moore Market Intelligence and Wink, […]

Why indexed annuities are so hot now: NAILBA 32

{November 24th, 2013} by Paul Wilson

Despite a historically low interest rate environment and other challenging market conditions, indexed annuities recently reached record sales. In the interview below, indexed insurance product expert Sheryl J. Moore explains why, and exactly what it means to the insurance industry. Additionally, she talks about indexed life insurance sales, the challenges faced by those who sell […]

Digging into IUL at NAILBA 32

{November 23rd, 2013} by Emily Holbrook

Among the numerous sessions offered today at the annual NAILBA conference was one focusing on Indexed Universal Life (IUL). Speaking on the topic were Alan Grissom of S&P Dow Jones Indices and Dick Weber from The Ethical Edge Inc. Both are equally knowledgeable in the field. Click here to read…

Iowa annuity companies’ sales contribute to record $10 billion quarter

{November 23rd, 2013} by Joe Gardyasz

U.S. insurers sold $10  billion in indexed annuities in the third quarter, more than any previous  quarter in the industry’s history, according to an analysis released Friday.  More than 10 percent of that record sales total was attributable to West Des  Moines-based American Equity Investment Life Holding Co., which topped $1  billion in sales for […]

Q3 indexed annuity sales hit $10 billion

{November 22nd, 2013} by Maria Wood

As the end of the year approaches, indexed annuity sales are rushing toward the finish life, hitting a record $10 billion in the third quarter, according to the most recent compilation from Wink’s Sales & Market Report, which tracks indexed annuity and life sales. That $10 billion figure represents a 9 percent jump from the […]

Indexed Annuities See Jaw-Dropping Sales

{November 21st, 2013} by Linda Koco

Perhaps the biggest jaw-dropper in the past week was Wink, Inc.’s report that indexed annuity production broke yet another record, with sales hitting $10 billion for the quarter. It is one of many recent annuity developments that provide clues to fixed and variable annuity trends that advisors and carriers and are facing or soon will […]

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IA Sales Break Second Consecutive Sales Record

{November 19th, 2013} by Press Release

Pleasant Hill, Iowa. November 15, 2013. Forty-two indexed annuity carriers participated in the 65th edition of Wink’s Sales & Market Report, representing 98.4% of indexed annuity production. Total third quarter sales were $10.0 billion. In reviewing third quarter indexed annuity sales, production was up more than 9.0% when compared to the previous quarter, and up […]

Wink CEO: Second-Quarter US Sales of Indexed Annuities Rise on Sales of Two Private Equity-Owned Companies

{September 27th, 2013} by Fran Lysiak

PLEASANT HILL, Iowa – Second-quarter 2013 sales of indexed annuities in the United States rose in large part on sales by two private equity-owned companies, according to the chief executive officer of Wink Inc. Total second-quarter sales rose to $9.2 billion, up 5.5% from the same period a year ago, and increased 17% from the […]

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Desperately Seeking GLWBs On Fixed Annuities

{September 20th, 2013} by Sheryl J. Moore

Since 2004, these benefits have practically become a requirement on the variable annuity (VA) sale. In fact, 84% of all VAs have opted for an optional GLWB1. Why? It is hard to guarantee a specified lifetime income amount on a product that has cash values which can rise and fall, based on the market’s performance. […]

Annuity Sales Data: A Blessing And A Curse

{September 18th, 2013} by Linda Koco

It’s a blessing and a curse at the same time. The “It” is the host of annuity sales statistics that come out each quarter. On the blessing side of things, annuity specialists are fortunate to be able to see the statistical highlights from an assortment of researchers on annuity sales. That gives a multi-dimensional look […]

Aviva USA sales, workforce decline

{September 16th, 2013} by Victor Epstein

Since May 1, about 43% of workers have either left or been told their jobs are being eliminated. Jobs and annuity sales at Aviva USA are both plummeting as Apollo Global Management moves closer to completing its $1.8 billion bid for the business, and some insurance agency leaders are concerned by the changes. The deal […]

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Annuity rates are up. Are your sales?

{August 19th, 2013} by Sheryl J. Moore

Like the low rattle of a drum, the chorus, “annuity rates suck!” has been building to a crescendo over the past few years in this business. It seems that every agent I speak with blames the historical low interest rates for their declining sales of fixed and indexed annuities. Personally, I am in awe each […]

More IAs Feature ‘Enhanced’ Death Benefits

{August 9th, 2013} by Linda Koco

Enhanced death benefit features, once only in the domain of variable annuities, are spreading into the indexed annuity market. Twenty-one percent of indexed annuities now sport the features, said Sheryl Moore, president of Moore Market Intelligence, an indexed annuity resource in Des Moines, Iowa. Moore said that at least 60 policies out of the 282 […]

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200 gather to remember teen who committed suicide

{August 5th, 2013} by KCCI

Mother pleads for end to bullying PLEASANT  HILL, Iowa —The week was tough for the community surrounding Southeast  Polk High School after 16-year-old AJ Betts took his own life. AJ’s mother, Sheryl Moore,  and several of his friends said he was teased and bullied for being gay, half  black and having a cleft lip. RELATED: […]

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