2021

Episode 104: Adapting Our Annuity Business to Changing Regulations, Markets, and Consumers

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Can we learn what may lie ahead for our industry from regulatory changes in Australia? Will RILAs and MYGAs prove to be the winning products of 2021? How must we change how we explain our products to consumers? We discuss answers to these questions and more this week with Harry Stout. Harry has headed carriers in the U.S. and Australia. He has worked for IMOs and investors in the U.S. This year, he released a series of books on savings, investing, retirement and annuities titled The Financial Verse. You can learn more about Harry and order his books at https://www.financialverse.com/.
Also, do you want to get regular updates on news from Harry and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy our conversation.

Thank you to our show sponsor, The Index Standard!

Fixed Index Annuities and RILAs are getting more complex and technical just when fiduciary rules are getting stricter. How do you choose the right index and allocate to them?

The Index Standard is your answer. They are an independent provider ratings and forecasts on all indices and ETFs used in the US insurance space. Their process is systematic and unbiased, identifying robust and well-designed indices.

We all know finance is complex and The Index Standard has a clear ratings system and uses approachable language to demystify this complexity. Visit theindexstandard.com for more information.

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The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 104: Adapting Our Annuity Business to Changing Regulations, Markets, and Consumers
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Episode 103: Confidently Sorting Through a Sea of Indices With Laurence Black

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Fixed Indexed Annuities in the U.S. market now offer crediting strategies that include over 100 proprietary indices. How should agents and advisors conduct due diligence in this environment? What factors really matter? Today, Laurence Black, founder of The Index Standard, shares his perspective with us on this very important topic. Hope you enjoy our conversation. Also, do you want to get regular updates on news from Laurence and other guests of our show? Subscribe to our newsletter, below.

Thank you to our show sponsor, The Index Standard!

Fixed Index Annuities and RILAs are getting more complex and technical just when fiduciary rules are getting stricter. How do you choose the right index and allocate to them?

The Index Standard is your answer. They are an independent provider ratings and forecasts on all indices and ETFs used in the US insurance space. Their process is systematic and unbiased, identifying robust and well-designed indices.

We all know finance is complex and The Index Standard has a clear ratings system and uses approachable language to demystify this complexity. Visit theindexstandard.com for more information.

 Watch

 Listen

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 103: Confidently Sorting Through a Sea of Indices With Laurence Black
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Episode 102: Readying RIAs to Effectively Offer Annuities (And Many Other Topics) With Michelle Richter

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Michelle Richter, Principal at Fiduciary Insurance Services, joins us again to cover a wide variety of important industry topics. One of many that jumped out in today’s conversation was the need for structural change in how the annuity industry services RIAs in the future. Some of these involve technology, other products, and probably not surprisingly, how we better provide training about how to use insurance in financial plans. However, who will pay for training and how will it be delivered? Join us today for these topics and more.
Also, keep up with news from our guests and sign up for our email list at thatannuityshow.com.

Useful URLs for Retirement Plan Advisers from IRIC include:

https://iricouncil.org/wp-content/uploads/2021/06/IRIC-DC-Income-Product-Program-Compilation-v6.3.21.pdf 
https://iricouncil.org/wp-content/uploads/2018/03/Evaluation-Scorecard-for-Retirement-Income-Products.pdf
https://iricouncil.org/wp-content/uploads/2019/09/plan-sponsor-guide-to-retirement-income-decision-beleifs-ii.pdf
https://iricouncil.org/evaluation-tools/#1520343622078-7c3a5514-60bf
https://iricouncil.org/wp-content/uploads/2018/03/Debunking_Portability_Myths.pdf

Thank you to our show sponsor, The Index Standard!

Fixed Index Annuities and RILAs are getting more complex and technical just when fiduciary rules are getting stricter. How do you choose the right index and allocate to them?

The Index Standard is your answer. They are an independent provider ratings and forecasts on all indices and ETFs used in the US insurance space. Their process is systematic and unbiased, identifying robust and well-designed indices.

We all know finance is complex and The Index Standard has a clear ratings system and uses approachable language to demystify this complexity. Visit theindexstandard.com for more information.

 Watch

 Listen

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 102: Readying RIAs to Effectively Offer Annuities (And Many Other Topics) With Michelle Richter
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Episode 101: One Of These SPIAs Is Not Like The Others With Tamiko Toland

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You may be one of those who says a SPIA is just a SPIA. Just don’t say that in front of Tamiko Toland, Head of Research At CANNEX. In today’s show, Tamiko talks about the wide variety of SPIAs available on the market. And, she discusses how we need to place them thoughtfully inside the financial plans of our clients. We also cover a few other unordinary topics like the need for better product packaging, digital currency, and blockchain. Join us for the conversation today.
Also, keep up with news from our guests and sign up for our email list at thatannuityshow.com.
Follow Tamiko and CANNEX on YouTube at https://www.youtube.com/channel/UC7ndFrYfCvLCT9RUI9K4Igw.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 101: One Of These SPIAs Is Not Like The Others With Tamiko Toland
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Episode 100: Finding Continued Purpose In Changing Market With Joseph Jordan

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In an annuity market driven by indices, interest, and volatility, we often focus on the numbers and not the lives we touch. Joe Jordan, speaker, writer, & industry veteran joins us today to help us remember the purpose in the good work we do. To quote another Joseph, “People say that what we’re all seeking is a meaning for life. I don’t think that’s what we’re really seeking. I think that what we’re seeking is an experience of being alive.”
Join us for the conversation and follow Joe at www.josephjordan.com.
Also, don’t forget to sign up for our email list, under Receive Updates, below.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 100: Finding Continued Purpose In Changing Market With Joseph Jordan
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Episode 99: Inventing the Tradable VIX – Figuring Out How to Open the Sealed Coke Can For Investors With Devesh Shah

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The CBOE was founded in 1973. However, it wasn’t until 2002 that the investment community could actually trade on the VIX – the volatility index – thanks to the work of Devesh Shah. Devesh joins us today to talk about how this opened the door for the creation of today’s annuities and what may lie ahead.
Please sign up for our email newsletter, under Receive Updates, toward the bottom of this page. In the next few weeks, we will send a short weekly email with news, ideas, and updates from our guests.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 99: Inventing the Tradable VIX – Figuring Out How to Open the Sealed Coke Can For Investors With Devesh Shah
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Episode 98: Aligning All Interests – The Client, The Advisor and the Company With Yale Bock

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How do independent investment advisors solve the retirement puzzle for their clients? Today, Yale Bock, Owner of Y H & C Investments offers his perspective after 30 years in the business. Yale contributes frequently for US News and Seeking Alpha.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 98: Aligning All Interests – The Client, The Advisor and the Company With Yale Bock
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Episode 97: From the Iron Curtain To Online Annuity Illustrations With David Novak

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We all have our own unique story about how we found our way into the annuity business. Today, we’ll share a  very unique story that started behind the Iron Curtain, before Perestroika became reality in the heart of the Ukraine. This story belongs to David Novak, the creator of software that may arguably reshape our practices over the next five years called Annuities Genius.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Nicholas BreniaEpisode 97: From the Iron Curtain To Online Annuity Illustrations With David Novak
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Episode 95: Can You Get What You Want In Retirement With Cyrus Bamji and Colin Devine

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Cyrus Bamji and Colin Devine from The Alliance for Lifetime Income join us today  to talk about a number of pressing topics in retirement. We cover the 4% rule and whether really it should be 3%. Colin talks about the uniquely high risks that market downturns present for women. And, of course, we examine the value that lifetime income creates for all Americans. If you didn’t know it, The Alliance was the sole sponsor for  the last two years for the Rolling Stones U.S. Tour.

Here are the links mentioned in the show:

https://www.allianceforlifetimeincome.org/

https://www.protectedincome.org/

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Nicholas BreniaEpisode 95: Can You Get What You Want In Retirement With Cyrus Bamji and Colin Devine
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Episode 94: Obsess About The Retirement Planning Conversation, Not The Tools with Curtis Cloke

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We’re living in remarkable times with the release of an amazing range of both paid and open-source tools to help us stress-test retirement plans. Curtis Cloke, Owner and Principal of CurtisCloke.com joins us this week to talk about how to maximize the impact of our tools by focusing first on listening to the needs of clients. We discuss his process used to construct customized income plans for his clients. In addition, we talk about recent M&A activity, digital sales, and the potential of augmented reality to create vivid pictures for client.

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Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Nicholas BreniaEpisode 94: Obsess About The Retirement Planning Conversation, Not The Tools with Curtis Cloke
read more