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Insurance Perspectives
Licensed Agents & Staff, thank you for visiting our website.
When you need our help just call us at 713-771-7226.
We are here 9 to 5 CST M-T and 9 to noon on Fridays.
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Thank you for working with us to best serve your clients.

Annuity Products

It seems that every carrier claims to have the best, the highest or the strongest Annuity Product.  For the independent agent the trick is finding a General Agency they can trust to not be pushing the "flavor of the day" product.  We are that General Agency.  
​Working together we can put together a suitable product recommendation for your client.  
Multi Year Guaranteed Products

​When you have a client that is looking for better interest rates than a CD this may be a great options.  Benefits of an annuity with rates that generally are higher than offered on a bank CD.  But as usual, it is not always about the rates.  Liquidity features, charges backs/surrender charges at death, renewal options etc all play a part when addressing the suitability of a MYGA product.  Rates change too often so we don't publish a rate sheet. Call or email for current rates.  We need to know amount and how long and we can do the shopping for you!
Indexed Annuity Products

​Often you will hear from wholesalers how they have the "best" indexed annuity out there.  The problem is how to do you define "best" when considering for your client.  Tell us what is important and we will present possible solutions to you.  Our carriers offer a range of products that include options in many of the indexes as well as income riders.  A little education goes a long way!
Single Premium Immediate (SPIA) Products

Okay, forgive me if this is really basic.  A SPIA guarantees a payout for a period of time and amount elected upon policy issue.  Now for the sizzle.  We quote the heck out of SPIA's to find the top payouts for your clients dollars, or the lowest premium for the payout they want!  Then we help you understand the differences, if any, between the top carriers.  Yes, there are differences in the contracts.  If that's news to you, we should talk.  You would be amazed at the differences between carriers.
Deferred Single Premium "Immediate" Annuity
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These may be a new to you. A "DSPIA" is for clients who want to make deposits today for guaranteed future income payments starting more than 1 year from deposit.  Also works very well for businesses wanting to reward and retain key employees.
Details and training available, call or email Bill Jr. 

    Need Information? Rates? A Quote? Let us know.

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This website and the information herein is intended only for the use of licensed Insurance Agents & their Staff.  If you are not a licensed Agent or Staff Member of one and need assistance please contact us for a referral to a licensed Agent in your area.

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