Annuity Fundamentals | From Health to Wealth

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Sep 2025

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Welcome to "Annuity Fundamentals: From Health to Wealth," your go-to podcast for agents and advisors delving into annuities. Explore how annuities bridge health and wealth gaps for clients. Our seasoned hosts dissect complexities, offering expert guidance and practical strategies. Learn about annuity types, contract structuring, and thriving in the market. Whether a seasoned pro or beginner, gain valuable insights on regulatory changes, trends, and client needs. Tune in to unlock annuities' potential in transforming your practice and empowering clients toward financial freedom.

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September 5, 2025Episode 7426 min

How the Fundamentals Changed My Business

On this episode with guest Tyson Louie, we review the systems that change agents' ability to cross-sell solutions and better serve their clients.----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

August 29, 2025Episode 7322 min

The System Behind Creating Generational Wealth

On this episode with guest Saran Baker, we unveil the secret behind what the wealthiest families in the world have used to create MASSIVE generational affluence.Unblocking Your Path to Wealth with Saran Baker: https://www.youtube.com/@saranbaker----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

August 22, 2025Episode 7220 min

How to Start Running Workshops

On this episode, we review the simple steps to skyrocketing your business through something called: Workshop Marketing----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

August 8, 2025Episode 7029 min

The Real Reason You're Struggling To Sell

On this episode with guest Rocky Garza, we open up about what agents biggest struggles are holding them back from great success. Got questions for Rocky? Visit https://www.rockygarza.com/confidence----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

August 1, 2025Episode 6928 min

How I sold $40k my first week

On this episode with guest Dedra Cheney, we dissect exactly how she made more than $40,000 in her first week in the insurance and financial service industry.----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

July 25, 2025Episode 6829 min

How to Create SIGNIFICANT Positive Cashflow

On this episode with guest Paris Cluff, we rewrite your client's financial story with the proven system to achieve debt freedom and financial indepencence.Ready to get started? Check out: https://pariscluff.com/freebook----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

July 18, 2025Episode 6729 min

Discipline VS Consistency - Agents need this more than anything

On this episode with guest John Wetmore, we look into how an agent's time could convert into a significant amount of income if used in certain ways.Get a hold of John at https://johnwetmore.com/----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

July 11, 2025Episode 6632 min

Convert Experience Into a Sales Machine (Stop Buying Expensive Leads!)

On this episode with guest Sherri Somers, we're changing the way you speak to your clients. It's time to stop buying expensive leads and turn on your voice to create a sales machine.Check out the Challenge Code with Sherri: https://thechallengecode.com/----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

June 27, 2025Episode 6435 min

Career in Insurance: Is this the right path for me? (Part 1)

On this episode with guest Keith Petersen, we're laying out two totally different routes you can go with your insurance and financial service career. Which path are you on?----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

June 27, 2025Episode 6330 min

Automating Your Business In 2025

On this episode with guest Shannon Filing, we're looking into lead automation and outsourcing that you as a business owner should already be implementing in 2025.Get in touch with Shannon by visiting: talkwithshannon.com or https://www.transformationmarketing.com/----------------------------------Ready to level up your Annuity sales language? View available classes and courses on annuityfundamentals.comCRM Discount - Save 40% off with this LeadShop promo: https://www.leadshop.org/promo----------------------------------Annuity Fundamentals provides training courses, lives classes, and a customized approach to teaching life and health insurance agents how to sell Annuity products. Not sure how to get started with you or your agency's transition into Annuities? Visit AnnuityFundamentals.com and book an Exploratory Call for more information. RECOMMENDED BOOKSRobert Kiyosaki - CASHFLOW Quadrant: https://amzn.to/3BlpFylMichael Gerber - The E-Myth Revisited: https://amzn.to/3BdmJUJ💬 Join the Discussion: Join our Facebook group, a community of developing and high-performing producers: https://www.facebook.com/groups/3333247796887188/?mibextid=uJjRxr🔔 Subscribe & Turn on Notifications: Watch out for more and get notified with new content releases!👍 Like, Share & Comment: We love your questions, feedback, and practices. Go ahead and share in the comments below. 📌 Connect with Us:LinkedIn - https://www.linkedin.com/company/annuity-fundamentals/TikTok - https://www.tiktok.com/@annuityfundamentalsInstagram - https://www.instagram.com/annuity_fundamentals/?hl=enFacebook Page - https://www.facebook.com/annuityfundamentals/🙏 Thanks for Watching!------ ----- ----- ----- -----DisclaimersFixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.