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Sheryl’s Articles

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-five indexedannuity carriers participated in the 67th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total first quarter […]

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 […]

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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Moore Blames Bullying After Son’s Suicide

{July 31st, 2013} by Steven A. Morelli

A well-known indexed annuity expert is speaking out on bullying after her 16-year-old son committed suicide last week in Iowa. Alexander “A.J.” Betts was taken off life support Sunday after he attempted to kill himself Friday. His mother, Sheryl J. Moore, said he had been bullied at Southeast Polk High School because he was half-black […]

Bullied to death

{July 30th, 2013} by Bill Coffin

On Saturday, July 26th, 16-year-old A.J. Betts took his own life. A.J. was born to a black father and white mother, and with a variety of birth defects (including a cleft palate that required numerous surgeries, and only recently had finally been fixed). He spoke a little funny.  Please click here to read

Sincerest Condolences to Sheryl J. Moore & Family

{July 30th, 2013} by Annuity Outlook

Sheryl J. Moore is a valued contributor to the NAFA Annuity Outlook magazine and a well-known advocate, educator and leader in our industry. The life and annuity industry is a small and close-knit group and our entire industry mourns with Sheryl and her family  on news of the unexpected passing of their 16-year old son […]

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Our hearts go out to Sheryl J. Moore, President and CEO of Wink, and her family in this difficult time of sorrow.

{July 29th, 2013} by Wink, Inc

Many of you have heard the story, however you may not have known his name or face. A.J., Sheryl J. Moore’s son, inspired her to start her company in 2005, and he is a treasured member of our Wink family. A.J.’s life ended unexpectedly early Saturday morning, we are deeply saddened to lose him. Sheryl […]

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A Source of Headaches: “Source of Funds”

{July 16th, 2013} by Sheryl J. Moore

One of today’s most widely-miscommunicated issues is the fixed annuity market’s “Source of Funds” matter. The issue? It’s figuring out where the prospective purchaser of a fixed or indexed annuity is getting his or her money from, so they can use it to purchase the annuity? Some believe ‘Source of Funds’ means that if you’re […]

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Indexed annuity sales are down, not out

{July 15th, 2013} by Sheryl J. Moore

After having released the first quarter sales numbers for indexed annuities, the press began acting like Chicken Little. “The sky is falling! The sky is falling! Indexed annuity sales are falling, too!” I tend to take the more cool, calm and collected approach to these matters due to my background in market research. The sky […]

Q1 indexed annuity sales down

{June 11th, 2013} by Michael K. Stanley

Total first quarter indexed annuity sales hit $7.8 billion, down 8.2 percent from the previous quarter and 2.7 percent from the same quarter last year. The results, found in Wink’s Sales & Market Report (formerly AnnuitySpecs.com’s Indexed Sales & Market Report) were released on June 7 and should not be cause for too much despair […]

Talking index products with Genworth’s Charlie Gipple

{June 11th, 2013} by Staff Writer

Index products have become a welcome option at a time when persistently low interest rates continue to challenge cash accumulation opportunities, according to Charlie Gipple, national director of index products at Genworth. That’s because index products provide clients with an opportunity to receive index-linked interest, potentially capitalizing on the upside of the market without the […]

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To 1035 or not to 1035?

{June 7th, 2013} by Sheryl J. Moore

Lately, I’ve been receiving a lot of questions about whether, or not, I have concerns about 1035 exchanges in the current interest rate environment. Why? Click here to read…  

Des Moines Becoming An Indexed Annuities Hub

{June 6th, 2013} by Cyril Tuohy

What does Des Moines have on Hartford and London? Indexed annuities, that’s what. In fact, Des Moines, already a worthy contender for the nation’s top life and health insurance hub, is in a league of its own when it comes to indexed annuities. Consider the following: American Equity Investment Life, Aviva Life & Annuity, EquiTrust […]

As Others Dive, Indexed Annuities Cruise Strong

{June 3rd, 2013} by Linda Koco

Industry leaders say the public will continue to be enamored with indexed annuities as the desire for security trumps the attraction of chasing after interest rates. Click here to read…

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Buy term and “invest” the rest with indexed universal life

{May 29th, 2013} by Sheryl J. Moore

For as long as I’ve been handling my own finances, I’ve been hearing that people should “buy term and invest the difference.” I have never really taken stock in the concept. I mean, I am a financial services professional that cut her teeth on whole life, but who would adopt this theory centered around buying […]

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The Tsunami of Indexed Annuity Sales

{May 17th, 2013} by Sheryl J. Moore

In the indexed annuity capital of the world (also known as Des Moines, Iowa), we’re not subject to many natural disasters. Given that Iowa is smack-dab in the center of the United States, we don’t experience many earthquakes. We have never gone through the devastation of a cyclone, although tornados do show up at times. […]

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How much life insurance do I need? 6 steps that will help your clients decide

{May 17th, 2013} by Sheryl J. Moore

Now, I’ve never gone through the process of a needs assessment with a prospect, despite my position as a licensed life insurance agent. I’ve never sold a case in the nearly 15 years that I’ve worked in the life insurance industry. In order to maintain my credibility as a third-party expert in this industry, I […]

Twitter chat recap: Sheryl J. Moore overcomes your IUL objections

{May 8th, 2013} by Vanessa De La Rosa

Indexed universal life is the fastest-growing segment of the life insurance business, yet you still aren’t selling it. Why not? Sheryl J. Moore addresses some objections and misconceptions common to both consumers and advisors.  Click here for the Twitter chat recap

Athene to Sell Aviva USA’s Life Insurance Business; Deal Contingent on Its Pending Acquisition of Aviva USA

{May 8th, 2013} by Fran Matso Lysiak

Best’s News Service – May 06, 2013 12:27 PM   PEMBROKE, Bermuda – Athene Holding Ltd. and its subsidiaries have agreed to sell Aviva USA’s life insurance business to Commonwealth Annuity and Life Insurance Co., a subsidiary of Global Atlantic Financial Group. The transaction, structured as a reinsurance arrangement, is contingent on its pending acquisition […]

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Haters are going to hate on commission disclosure

{May 5th, 2013} by Sheryl J. Moore

Ever since I can recall, there has been controversy surrounding commission payments to sales professionals in the insurance industry. A few years ago, one state even went so far as to propose that commission payments to sales professionals be disclosed to their clients! Being a consumer of life insurance and annuity products, and never having […]

The American Annuity Shuffle Begins

{May 3rd, 2013} by Linda Koco

Year-end individual annuity sales results provide plenty for annuity aficionados to ponder. There were some sorry-looking numbers, for sure, but also a few intriguing surprises. Some would say the carriers were doing a dance, or a least  a shuffle. Click here to read…

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