Couverture de Why Your Index Annuity Illustration May Be Misleading

Why Your Index Annuity Illustration May Be Misleading

Why Your Index Annuity Illustration May Be Misleading

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 Index annuities can look incredible on an illustration — but how do they actually work?

In this episode, we break down the mechanics behind cap rates, participation rates, renewal rate integrity, and why certain index strategies can produce eye-catching projections that don’t always hold up long term.

You’ll learn:
• The difference between cap rates and participation rates
• Why renewal rates matter more than most agents discuss
• How excess return and lesser-known indexes can inflate illustrations
• Why consistency often beats flashy projections
• How to properly set client expectations

Whether you're an insurance agent or someone evaluating retirement strategies, this episode will help you better understand how index annuities function in the real world. Education matters. Expectations matter more.

Agents: Check out Annuity Producers for live training and national events. 🚀 🔗 https://www.annuityproducers.com/ 🔗 https://www.annuityproducers.com/livezoom 🔗 https://www.annuityproducers.com/live-event-2026

Consumers: Reach out if you’d like help finding a vetted fiduciary-focused advisor. 🤝 🔗 https://www.snarrinsurance.com/

Disclosure & Disclaimer: This content is for educational and informational purposes only and is not intended as financial, legal, tax, or investment advice. I am not acting as a fiduciary, CPA, tax advisor, or attorney. Always consult with your own licensed financial advisor, tax professional, or attorney before making any financial decisions. I am not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, Medicare, the U.S. government, or any other government agency. Any references to government programs are for educational purposes only. Opinions expressed are my own and are based on general principles, which may not apply to your individual situation. All financial products involve risk, including the potential loss of principal. Past performance is not a guarantee of future results. Insurance and financial product availability, features, and guarantees vary by carrier and state. Guarantees, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Viewers are encouraged to conduct their own independent due diligence before purchasing any financial or insurance product. Nothing contained in this content constitutes an offer, solicitation, or recommendation to buy or sell any specific product or security. By viewing this content, you acknowledge that you are solely responsible for your financial decisions.
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