In the news - Sean Ruggiero on Insurance News Net makes an interesting case for purchasing an FIA rather than investing in the market. In "What if the Market Goes Up?", Sean suggests that a smaller guarantee over an extended period of time can benefit a client more than having invested money during a drop and then a rapid rise. Mark, Will and Paul discuss his novel explanation. They delve into both strengths and weaknesses when possibility presenting this concept to your own clients. We then devote significant time on how to explain the core benefit of fixed indexed annuities - that client's account values will not decline because of market downturns. Like all insurance products, we talk about the specific language to use and how to fully disclose related fees and insurance expenses. Learn how to make this concept simple for your client.

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Connect with Ramsey Smith on https://www.linkedin.com/in/ramseydsmith or https://twitter.com/RamseyDSmith1. Visit https://alex.fyi on the web. This podcast is intended for general informational purposes only and is not a solicitation of any insurance product.

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.