Life & Wealth

One Sale Can Change Your Month. One Client Can Change Your Year.

Fixed and indexed annuities carry 4–8% commissions on large single premiums — the highest per-sale earnings in insurance.

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See What a Single Sale Can Earn

Large single-premium products mean your commission per policy dwarfs nearly every other line you can sell.

Fixed Annuity Example

$10,000

One Sale Commission

$200,000 premium × 5% = $10,000 earned on a single placement. A straightforward product clients trust for predictable, guaranteed growth.

FIA Example

$21,000

One Sale Commission

$350,000 premium × 6% = $21,000 earned on one fixed indexed annuity. Upside linked to the market with a floor of zero downside.

MYGA

Fast Close

Guaranteed Rate, Consistent Earnings

Multi-year guaranteed annuities lock in a fixed rate for the full term. Simple pitch, clean underwriting, and consistent commissions on every sale.

Three Types of Annuities You Can Sell

Each product serves a distinct client need — giving you multiple angles of approach with the same prospect.

Fixed Annuity

A guaranteed interest rate for a set period. Simple to explain, easy to close. Clients coming from CDs or savings accounts are natural prospects — no market risk, predictable growth.

Guaranteed Growth

Fixed Indexed Annuity (FIA)

Growth linked to a market index like the S&P 500, with a floor of 0% — clients can never lose principal to market downturns. Carries some of the highest commissions in the annuity category.

Index-Linked

MYGA (Multi-Year Guaranteed Annuity)

A fixed rate locked in for the full contract term — typically 3 to 7 years. Clients love the certainty; agents love the clean, repeatable sales process with no ongoing service burden.

Fixed Rate

Who Buys Annuities?

Annuity buyers are not hard to find — they are sitting in every community, often already holding underperforming financial products. Your job is to show them a better option.

✓ Clients aged 50–70 with accumulated assets ready to protect and grow

✓ Anyone who fears outliving their savings or losing principal in a market crash

✓ People rolling over 401(k) or pension funds into safer vehicles

✓ CD holders frustrated by low bank rates looking for better returns

✓ Clients who received an inheritance and need a safe place to park wealth

Annuity Product Quick Reference

Key specs across the three annuity types so you know exactly what you are selling before you sit down with a client.

Product	Commission Rate	Typical Premium Size	Surrender Period	Target Market
Fixed Annuity	4–6%	$50K – $300K+	3–7 years	CD holders, conservative savers
Fixed Indexed Annuity (FIA)	5–8%	$100K – $500K+	7–10 years	Pre-retirees, 401(k) rollovers
MYGA	2–4%	$25K – $200K+	3–7 years	Rate-seekers, inheritance funds