Annuities' New Golden Age Probably Isn't Over Yet

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20 People Who Will Shape Wealth Management in 2025

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Product Updates

MYGA Rates:

3yr (A-) – 5.20%
4yr (A-) – 5.20%
5yr (A-) - 5.50%
5yr (A) - 5.25%
7yr (A-) - 5.45%
10yr (B++) - 5.15%
10yr (A) - 5.05%

The Standard Enhanced Choice Index Plus (Now available in CA!)

Industry Leading Death Benefit Rider
(perfect alternative for Life Insurance if uninsurable)
Client gets the greater value of:
6% Guaranteed Growth each year (compounding)
200% Interest stacking (any interest earned on the account value, times 2)

Lump SUM payout to beneficiaries
Growth on the DB Rider to Age 85
Max Issue Age for Rider is Age 80

Extremely competitive COMP:
5.00% COMP on 5yr
6.00% COMP on 7yr
7.00% COMP on 10yr

Guaranteed Participation rate
ECI 5
S&P 500 - 45%
S&P 500 Daily RC 5% ER -165%
S&P 500 ESG Daily RC 5% ER – 165%

Guaranteed Lifetime Income

North American Benefit Solutions 10 Guaranteed Benefits Rider

Initial 20% Income Rider Bonus
Simple 7.5% Interest Roll-Up on Income for Each Year of Deferral (Up to 4 years)
Death Benefit
Single or Joint Life Income
Income Enhancement Benefit (State and Age Restrictions Apply)
Doubles Lifetime income if client is unable to perform 2/6 Activities of Daily Living (ADLs) for 90 consecutive days
No additional Cost

OIP National Webinars

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Upcoming Webinars

IRA Beneficiary Rules After the SECURE Act

Speaker: Jay Kautt, JD

Date: January 8, 2025 at 11:00 am ET

Join Jay Kautt, JD, Vice President and Director of Advanced Markets Sales at Athene, who’ll provide timely information about ongoing implications of the SECURE Act Jay will cover:

Thorough explanation of the changes the SECURE Act made
The three classes of IRA beneficiaries that now exist
Overview of the final regulations and notices that have changed the inherited IRA landscape for those subject to the 10-year rule
The impact on trusts as IRA beneficiaries
The maze of rules that now exist for successor beneficiaries

Tax & Retirement Planning with Cash Balance Plans

Speaker: Larry R. Blades

Date: February 12th, 2025 at 11:00 am ET

This comprehensive course offers an in-depth exploration of Cash Balance Plans for financial professionals. Explore the key features, benefits, and regulatory requirements of these plans, and learn effective implementation strategies to maximize retirement savings and tax deductions for high-income business owners. Real-world case studies and practical examples will provide the knowledge needed to navigate plan design, compliance, and funding strategies. By the end of this course, you will have a better understanding of the suitability of Cash Balance Plans and their role in enhancing financial planning strategies.

Where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors.

↓ Check Out the Latest Episodes ↓

Ep. 115 - From Punk Rock to Financial Rock Star: The Journey of Sean Humeston

Ep. 114 - Unlocking Efficiency: How Leopard is Revolutionizing Insurance with AI

Ep. 113 - The Admin Effect: Streamlining Success in the Financial Services Industry with Katelyn Kucharo

Ep. 112 - Optimizing Uncertainty: Mastering Emotional Intelligence and Empathy in Financial Advising with Dr. Naomi Win

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Experience Life Better

Optimized Insurance Planning is a national network of experienced Insurance Planners dedicated to supporting the financial services industry. We understand and embrace a holistic financial planning process by approaching risk management solutions to include annuities, life, and long-term care insurance.

Experience – Knowledge – Planning – Innovation – Community

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