This course is designed to provide the required information to meet your state annuity training course requirement. Consumer recommendations regarding the purchase or exchange of an annuity must be suitable and beneficial to that consumer, based on the consumer's suitability information. Suitability is determined by gathering information related to risk tolerance, financial liquidity and other factors that determine whether or not the annuity being recommended is suitable for the particular consumer. Agents may not dissuade a consumer from providing correct and complete information.
- Types of Annuities - The Parties to an Annuity - Annuity Contract Provisions - Interest Rates - Withdrawal/Surrender Waivers - Annuitization Options - Principal Guarantees - Indexing Crediting Strategies - Consumer Annuity Options - Tax Deferred Growth - Investing in Retirement Assets
This course will provide an overview of 401(k)s and other qualified plans used in retirement planning. Topics included are plans and their characteristics, how to help clients choose a plan for their business and employees, and the benefits and drawbacks of each.
- ERISA - Types of Plans - Designing the Right Qualified Plan - Defined-Contribution Plans and Nondiscrimination Regulations
DOES NOT MEET THE CFP BOARD ETHICS REQUIREMENT. This course will provide an overview of the characteristics of ethics and professionalism. Topics included are the standards by which a professional should be judged and a study of ethics on its philosophical and compliance levels.
- Valuing Professionalism - Standards of Professional Conduct - Understanding Ethics - Compliance and Professionalism - Business Ethics
Establishing an appropriate asset mix is a dynamic process and it plays a key role in determining a portfolio's overall risk and return. As such, a portfolio's asset mix should reflect the client's goals at any point in time. There are a few different strategies for establishing asset allocations. This course will review the key models and help the financial advisor develop an asset allocation strategy that is appropriate given the individual client's needs.
- Assessing Risk Tolerance - Strategic Asset Allocation - Tactical Asset Allocation - Core-Satellite Asset Allocation - Asset Allocation and Annuities - Retirement Asset Allocation - Asset Allocation and Life Insurance
The CE credits for this course do not apply toward the 4-hour annuity training requirement. Section I Objectives: Explain basic annuity terms, payout options, and benefits; the annuity's role in an aging America; annuity taxation; the three annuity types (fixed, variable, and equity-indexed(EIA)). Section II Objectives: Compare fixed, equity-indexed, and variable annuity features; advantages, disadvantages, and workings of each product type; and, common product features and calculation methods. Section III Objectives: Explore marketing and suitability choices; typical clients for fixed, variable, and equity-indexed annuities; "Annuity Advantage" uses (such as split annuities and control from the grave); legal and ethical considerations when determining suitability. * This course is not Texas classroom equivalent.
- Basics of Annuities - Fixed - Variable and EIA - Marketing Opportunities - Who is Buying Annuities
This course is designed to provide an understanding of the roles and structures of different types of annuities, as well as important considerations when recommending an annuity: features, risks, benefits, costs, and suitability factors. This course also discusses important tax considerations including tax deferral and recharacterization of taxable income upon distribution, and the regulatory pitfalls of recommending annuities to fund other types of already tax-deferred investment vehicles including IRAs.
- The role an annuity could play in retirement income planning Roles and rights of three parties to annuity contract (owner, annuitant, and beneficiary) - Characteristics of an annuity including common riders and fees - Benefits of tax deferral with annuity products and potential recharacterization of taxable income upon distribution, from capital gains income to ordinary income - Pros and cons of placing annuities in a tax-deferred account, e.g. an IRA
The CE credits for this course do not apply toward 4 hour annuity training requirement. This course is designed to introduce Insurance professionals to the world of annuities. It looks at the development and distribution of the product. It differentiates between fixed and variable annuities, immediate and deferred annuities, and flexible and single-premium annuities. It also examines the marketing aspects of annuities and how insurers invest in this retirement vehicle; and finally, it examines current and past tax treatment of annuities. *This course is not Texas classroom equivalent.
- What are Annuities - How Annuities are Used - Taxation of Annuities - Tax Sheltered Annuities - Variable Annuities - Equity Indexed Annuities - Function and Uses of EIAs - Disadvantages of Annuities - The Financial Strengths of Insurers
This course is intended for producing agents and registered representatives, and is also suited for investment advisors, supervisors, or any financial service industry professional needing a basic understanding of industry rules regarding anti-money laundering, and how firms detect and prevent possible money laundering.
- Overview of Money Laundering - The stages of the money laundering process - Overview of Federal AML measures (BSA, USA PATRIOT Act) - FinCEN, OFAC and FATF - Agents' and brokers' responsibilities - Customer identity verification requirements - Recognizing Money Laundering Red Flags - Overview of Recent Penalties for AML Violations - Case studies relating to a producer's role in detecting and preventing money laundering in daily operations
The objective of this course is to introduce broker-dealer employees to the federal laws and regulations that apply to money laundering, record keeping, and reporting. The course discusses some "red flags" that may indicate potential money laundering activities, as well as the penalties that can be imposed for violating federal money laundering laws. * This course is not Texas classroom equivalent.
- Awareness of Anti-Money Laundering Regulations - Areas of Concern - Federal Legislation - Knowing your Customer - Verifying a Customers Identity - Reporting Requirements - Suspicious Activities and Indicators to Consider
The objective of this course is to raise the awareness of anti-money laundering regulations so agents have the knowledge to prevent and detect money laundering. This knowledge will help ensure you and your employer do not become involved in investigations or scandals that could harm your reputation or risk your client relationships. After completing this course, agents will be able to understand anti-money laundering regulations including Know Your Customer, recognize suspicious activities, and protect yourself from the consequences of being linked in any way to money laundering activities. (32 pages) * This course is not Texas classroom equivalent.
- History of Anti-Money Laundering Regulations - Understanding Anti-Money Laundering Regulations and your Responsibilities - Reporting Requirements - Case Studies
This course will review the customer due diligence guidance and regulations established by the various organizations formed to combat criminal use of financial systems around the world and then focus on the most recent regulations adopted by the U.S. Treasury.
- AML Organizations - Recommendations and Regulations for UBOs - FinCEN Final Rule - Covered Financial Institutions - Ownership and Control - Customer Due Diligence - Risk-Based Requirements - Complex Structures - Offshore Challenges
This course provides a brief review of the basics of illegal money laundering and the legislative measures adopted to combat money laundering in the U.S. The course covers requirements for a firm's AML and CIP programs with emphasis on real-world context. The course also discusses red flags that every representative should be aware of in their day-to-day dealings with customers and prospective customers, and with accounts. The course concludes with examples of enforcement cases that reinforce the concepts covered in the text.
- Money laundering overview - Overview of BSA and AML programs - Overview of CIP programs - CDD Rule - Red flags of possible money laundering - Enforcement cases
This course will discuss the differences between claims-made and occurrence policies, as well as the differentiation between claims-made and claims-made and reported policies. It will also cover professional liability, commercial general liability, directors and officers insurance, and other types of policies that can be written on a claims-made basis.
Small businesses often need commercial auto policies to account for risk exposures that go beyond the scope of personal auto insurance policies. Knowing the difference between commercial policies and personal policies is important for agents who work with businesses. In this course, we'll cover information about small businesses auto risks and the different types of coverage that can be provided to mitigate those risks. We'll go over standard business auto policies as well as auto dealers coverage forms, both of which are issued by the Insurance Services Office. We'll discuss coverage issues, endorsements used with policies, and analyses of both the auto dealers coverage form and business auto policy.
This course is intended for producers and supervisors that market and sell insurance products to consumers. This course provides a detailed review of the basics of disability insurance and addresses concerns related to individuals and businesses. Topics include the need for disability insurance, how the policies work and how they are issued. Broad issues of a policy such as underwriting, defining a disability and riders will be covered. Several case studies provide excellent examples of issuing the most applicable policies. A representative will be provided with advanced sales solutions to help their clients plan a sound future. * This course is not Texas classroom equivalent.
- Disability Income Insurance - Who Needs Disability Income Insurance - What Disability Income Insurance Accomplishes - Benefit Period - Long and Short Term Disability - Trade Associations - Tax Consequences
Disability insurance insured incomes in the event a wage earner is unable to work due to an illness or injury that occurs outside of the work environment. This course takes an active view of the various types of disability insurance coverages available, by using real life scenarios, examples and case studies. Employees with eligible disabilities may require the use of short-term, long-term or Social Security Disability benefits or a combination of these options. Business disability policies are covered to ensure a comprehensive look at everything from coverage options to disability fraud by the less obvious.
- Types of Disabilities - Salary Continuation - Short-Term Disability - Long-Term Disability - Social Security Disability - Coordination of Benefits: Setoffs - Disability for Business Owners - Fraud
This course will help the students understand the psychological and financial impact that market volatility has on consumers and on the retirement planning process. It discusses how variable products can provide tools and solutions to mitigate the effects of market uncertainty on retirement portfolios. Asset allocation, dollar cost averaging, guaranteed living benefits and other ideas will be discussed as they relate to long-term retirement planning under all types of market conditions. * This course is not Texas classroom equivalent.
- Market Uncertainty and Investor Reaction - Long-Term Nature of Variable Annuities - Buy and Hold Strategy - Dollar Cost Averaging - Slit Averaging Strategy - Death Benefit
In offering a look at some of the unique options annuities offer, Equity Indexed Annuities will help financial professionals gain a comfort level when discussing the product with suitable clients. The course also covers the role of fixed annuities in retirement planning as well as look at the evolution of indexed products.
- Investment Horizon - Fixed Annuities Features - Participation Rate - Fund Averaging in a Point-to-Point Design - How Design and Features Affect Participation Rate - Buyer Profile - Presenting the Equity Index Annuity to Clients
Estate planning is the process in which consideration is given to accumulating and allocating income and assets for the purpose of creating a better quality of life for an individual and others during life and after death. To achieve the goals sought by estate planning, the accumulation and retention of income and assets must be accomplished by avoiding the severe impact of income, estate and gift taxes, as well as ensuring the disposition of assets at death. This course will provide you an understanding of the key components of estate planning to allow you to create the appropriate financial plan for your client.
- Value of Estate Planning - The Estate Planning Process - Property Transfers Upon Death - Estate Planning Documents Types of Trust Used in Estate Planning - Estate and Gift Tax Basics Life Insurance and the Estate Plan
On completing this course, producers will understand the importance of integrating insurance products into the lives of clients and helping them with investing as part of their financial strategy, planning, and preparation for their futures. Agents will see how personal and professional ethics and ethical practices help agents reach their goals with integrity, as well as review continuing education requirements, new federal laws, and Acts introduced, which influence the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these standards and requirements when dealing with clients and insurance companies. This course will allow producers to create a personal and professional code of ethics they can follow in every aspect of their personal and professional business.
On completing this course producers will be able to understand the importance of ethics in the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these when dealing with both clients and insurance companies. This will course will allow the producers to create both a personal and professional code of ethics which they can follow in each and every aspect of their business. * This course is not Texas classroom equivalent.
- Ethics in Modern Society - Ethical Decision Making - A Personal Code of Ethics - Standards of Ethical Behavior - Professionalism - Requirements of Professional Ethics - Public Expectations and the Insurance Industry - Ethics and Insurance Producers
This course meets the Utah Classroom Equivalent requirement. On completing this course, producers will understand the importance integrating insurance products into the lives of clients and helping them with investing as part of their financial strategy, planning, and preparation for their futures. Agents will see how personal and professional ethics and ethical practices help agents reach their goals with integrity, as well as review continuing education requirements, new state laws, new federal laws and Acts introduced, which influence the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these standards and requirements when dealing with clients and insurance companies. This course will allow producers to create a personal and professional code of ethics they can follow in every aspect of their personal and professional business.
This course has been designed to educate professionals on ethical standards of conduct.
This course will provide an overview of the characteristics of ethics and professionalism. Topics included are the standards by which a professional should be judged and a study of ethics on its philosophical and compliance levels. * This course is not Texas classroom equivalent.
- High-Quality Workmanship Education - Uncompromised Values - Pursuit of Excellence - The Past as Prologue to the Future - New Standards for Ethical Conduct - Ethics on a Compliance Level - Valuing Compliance and Market Conduct
This course compares and contrasts fixed annuities, variable annuities, and mutual funds. It describes each type of product and the reason why people buy them. The course also offers an in-depth analysis of variable annuities and mutual funds including advantages of each and a comparison of performance. This course assume a basic knowledge of annuities and mutual funds and, as a result, is designated an intermediate difficulty level.
- Investment Safety - Inflation Protection - Marketing Performance - Main Reasons People Buy Mutual Funds - Mutual Fund Advantages - Variable Annuity Advantages
This course will cover the different forms of liability coverage that are available to your business and personal clients. The types of perils that are covered under each type of liability insurance will be covered, as well as different clients and situations you may come into contact with and the types of P&C insurance that are best for your clients needs.
This course will cover issues relating to residential buildings and structures and other topics that will help provide the best information available to clients. It will discuss different building types, materials, and geographic considerations that can affect home values as well as how areas that have experienced a catastrophe will have different reconstruction costs due to labor and material shortages, transportation, and related issues. Additionally, specific perils will be addressed that affect homeowners.
By taking a look at the roles and rights of the three parties (owner, annuitant and beneficiary) along with some of the major variations found in different annuity contracts, this course covers many important aspects of income planning for heirs. It will also help the financial advisor to better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. * This course is not Texas classroom equivalent.
- Owner - Annuitant - Beneficiary - Death Benefit - Understanding the Contract - The Income Phase of an Annuity - Fixed Payments - Taxation of Income Payments - Stretch IRA Technique
The objective of this course is to provide an understanding of the need for planning for retirement income needs as a part of the financial planning process. The topics covered include the need for planning, asset allocation, annuitization, and payout options available. The course concludes with an enumeration of the steps that need to be taken to plan for retirement income, including a detailed case study.
- Current Market Statistics - Money for Retirement - Future Income Needs - The Time Value of Money - Risk Tolerance - Types of Risk - Measuring Risk - Erosion of Purchasing Power - Tax Traps - Choosing a Type of Payout - Asset Allocation
This course provides an overview of individual retirement accounts including traditional and Roth IRAs, eligibility, funding, distribution, and taxation. It also discusses RIA rollovers from qualified plans, and the DOL's new rule to expand the definition of a fiduciary to those who recommend such rollovers or otherwise work with IRA clients.
- Overview of IRAs - Types of IRAs - Contributions - eligibility and tax considerations - Taxation of Distributions - traditional vs. Roth, premature, RMDs, inherited IRAs, etc. - Roth conversions - Qualified plan rollovers to IRAs - Rollover suitability - Department of Labor (DoL) Fiduciary Rule
This course takes a comprehensive look at life insurance and how it can be a means of attaining financial security during life and after death. It explains the many applications of life insurance products and how their flexibility allows them to cover a wide range of clients' needs. * This course is not Texas classroom equivalent.
- Term Insurance - Cash Value Insurance - Endowment Insurance - Health Insurance - Group Insurance - HMOS - Planning for Retirement - Annuities - Long Term Care Insurance - Estate Planning Tools - Common Riders - Paying for College - Wills, Probate and Trusts
At the completion of this course agents will understand the concept of a life settlement and the potential benefits they may offer to certain clients.
- What is a Life Settlement - Reasons for a Life Settlement - Tax Implications - Regulatory Environment - NAIC Model Regulation
This course will provide an overview of annuities, the types offered, how they've changed since being introduced, the riders that may be available, and how to abide by FINRA Rule 2330 to legally sell annuities.
- What are Annuities? - Tax-Deferred Annuities - Income Annuities - The Evolution of Annuities - Living and Death Benefit Riders - Examples of Living Benefit Riders - Other Living Benefit Riders - Variable and Deferred Variable Annuity Suitability Guidelines - General Considerations
The agents and brokers who take this course can make a real difference in the lives of countless persons by helping them to understand the need for long-term care, the costs involved and the methods with which to finance it. However, long-term care insurance isn't for everyone. Part of what you will learn from this course is who should and who should not purchase a policy, and if they should, which of the myriad of choices available are best suited to each individual client.
- Long-Term Care Basics - Who Needs Care and Why - Home and Community Care - LTC Services and Facilities Formal Care - The Cost of Long-Term Care - Policy Provisions, Requirements, and Terminology - Home Care Only - Benefits - Inflation Protection, Claims and Care Management - Customer Protection and Suitability Standards - Suitability - Long-Term Care Legislation - Financial Alternatives
This course was developed to meet the requirements of an 8-hour study on Long-Term Care insurance (LTCI) and Long-Term Care Partnerships (LTCPs). Most of these introductory courses are state-specific; however, federal requirements, state statutes, and the recommendations of the National Association of Insurance Commission (NAIC), have deemed 8-hour courses necessary to properly prepare to sell long-term care products - whether individually, as part of a strategic plan, or with an annuity or annuity rider. NM Agents: This course is available for Life/Health/Variable credit only.
This training provides information on National Flood Insurance Program (NFIP) policies. It is intended to provide an overview of the program and will help provide accurate information and advice regarding flood insurance. For states that have a flood requirement, this course has been approved to satisfy the mandatory continuing education.
Understanding all the major personal lines of insurance coverage is an important basic for insurance agents. A well-educated agent should know about miscellaneous personal lines coverage and possible gaps in coverage so they can advise their clients. This course will cover the different types of personal lines insurance as well as the components of a personal insurance policy. It will also go into more detail on miscellaneous personal lines of insurance that your clients may require and possible gaps in coverage along with how to address those.
A recent report by Nielsen in collaboration with BoomAgers, shows that in five years, 50% of the U.S. population will be 50+. This unprecedented growth in the US senior population will come at an expense. The purpose of senior needs planning is to identify and fund a specific and comfortable amount of net annual retirement income. This course is designed to help financial professionals understand the various risks and challenges today's retirees face and teach them how to develop a plan for their clients so they may sustain their lifestyles throughout retirement.
- Retirement Income Needs - Minding the Gap - Reverse Mortgage - Inflation - Annuity Payout Options - Paying Current Tax on Your Lump-Sum Payment - Questions about Distributions - Tax on Early Distributions from Retirement Plans, other than IRAs - Settlement Options, Annuities - Premiums - Social Security - Healthcare Needs - Legal Protection
This course was developed to meet the continuing education requirements of insurance professionals who need a basic understanding of property and casualty (P&C) insurance and the coverage that P&C includes (eg, homeowners, workers' compensation, auto insurance).
- Ethics - Policies - Endorsements - Exclusions - Perils - Contracts - Conditions - Inclusions - Protections - Terminology - Benefits - Risks
The topic of this course applies to everyone in the insurance industry. Whether in personal, commercial or wholesale insurance, claims or underwriting, adjusting or producing, everyone is affected by insurance fraud. Inevitably, successful, undetected scams translate into higher premiums for even the most honest customers. To keep what we can at bay, those working in the industry need to be educated in detecting, recognizing and preventing insurance fraud. As sophisticated as insurance fraud prevention methods can be, criminals can become just as sophisticated in their methods of defrauding that system. This course reviews red flags that show themselves in various property and casualty markets. From the garden variety fraud we've all read or heard about (like padding a claim), to more deviant, thought-out frauds that can ruin innocent, unsuspecting people, red flags are often there for the trained eye to see.
- Auto Insurance Fraud and Red Flags - Homeowners Insurance Fraud and Red Flags - Flood Insurance Fraud and Red Flags - Business Owners Insurance Fraud Flags - Real Case Scenarios - State Fraud Bureaus - Red Flags of Insider Fraud
This course will discuss a wide variety of topics regarding claims operations in this field. It will discuss the role of key personnel in the claims process, different types of claims operations, the claims process from start to finish, how to evaluate claims, and ethical issues regarding the claims process. This information will help you provide the best possible outcome and ensure that your business runs smoothly.
This course will familiarize the participant with the growing financial needs of retirement and the need for saving and investing for retirement. Subjects in the course include calculating income needs for retirees, future value of money and retirement spending. The participant will learn about different sources of retirement income including fixed and variable annuities in addition to various types of retirement income savings tools. * This course is not Texas classroom equivalent.
- How Much Money Will You Need at Retirement - Future Income Need - The Time Value of Money - Expenses - Early Retirement - Social Security - Employer Sponsored Retirement Plans - Self-Employed Retirement Plans - Education Plans
Planning for Retirement can involve multitudes of subjects. The more people are educated on the value of annuities, the more they will want this product. One of the last things on young couples' minds is retirement planning. Couples may think about who would care for their children if they died. They may have had a will drawn up to protect their property for their heirs. Providing an income for their retirement, however, seems to be the last to be planned. The earlier a young couple plans for their retirement, the more their retirement will be free from financial anxieties. * This course is not Texas classroom equivalent.
- Annuities - Annuity Types Identified According to Policy Owners - Annuity Types Identified According to Policy Owners Risk - Who Would a Policyholder Want to Annuitize - Annuity Management Annuity Advantages and Disadvantages - Pension Plans - Long Term Care Insurance - Suitability and Marketing Practices
This course emphasizes the importance of saving for college tuition and the role that 529 plans can have in preparing for the expense of college. The topics covered include the benefits of utilizing 529 plans and the regulations involved with the plans. The variations among states regarding features, limits and options are also covered.
- Current College Costs - Inadequate Savings - Savings Bonds/Education Savings Bonds - UGMA/UTMA Accounts, Traditional and Roth IRAS - Mutual Funds and Stocks - Trusts - Coverdell Education Savings Accounts - Section 529 Plans - Contribution Limits
Today's retirees are more active and have longer life expectancies than ever. It is not uncommon for retirement to last 20 or even 30 years, and during that time, today's retirees are likely to continue to travel, entertain, and otherwise continue to live and consume, as they have become accustomed. This trend is only expected to continue as younger Baby Boomers enter retirement, and in the not so distant future, Gen Xers approach retirement as well. Given these trends, planning for senior needs is more important than ever.
Most people want to continue to live in retirement as they did while working. Long-term financial and retirement security is a work in progress. This course will provide a holistic view of retirement planning as a lifelong pursuit for clients and the strategies, techniques and products available to make this a successful endeavor. It begins with what individuals can do to plan for retirement outside of their employment, followed by planning opportunities within their employment, as well as opportunities for those who might also be business owners.
This course is intended for annuity licensed registered representatives who may recommend annuity products, and the registered principals who supervise them.
- Introduction - What is an Equity Indexed Annuity? - How Interest is Credited to the EIA - The Role of Indexed Annuities in Retirement Planning - EIA Suitability Considerations
An in-depth look at the structure of variable annuities and a balanced discussion of the common media comments surrounding them such as "too expensive", "death benefit not useful", "not suitable for IRAs and qualified plans" and "no tax advantages over mutual funds." In addition, this course describes the structure of variable annuities and gives additional retirement planning uses for variable annuities such as decreasing the impact of the Social Security benefit tax and utilizing variable annuities in charitable remainder trusts and NIMCRUTS.
- What is a Variable Annuity - Features of Variable Annuities - What is a Mutual Fund - Common Elements of Both Variable Annuities and Mutual Funds - Variable Annuity Fees - Investor Retirement Planning Needs
As an investment professional, Individual Retirement Accounts (IRAs) are a natural place to start helping your clients with retirement planning. The IRA is a powerful tool to help clients retire in dignity. What is the difference between Traditional and Roth IRAs? How can the Stretch IRA help with estate planning? This series gives you a better understanding of Traditional and Roth IRAs and some of the decisions your clients may face in planning for retirement.
- The Genesis of Individual Retirement Accounts - The Penalty Period up to Age 59 1/2 - Planning Period 59 1/2 to 70 1/2 - The Retirement Period - 70 1/2 Until Death - IRA Beneficiaries - Multi-Generational IRA - Trusts - Annuitizing - The US Treasury Law on Distributions - IRAs
This course is intended for registered representatives involved in the recommendation, sale and/or servicing of annuity products, and for supervisors of such representatives. This course discusses types of annuities, their benefits and risks, suitability considerations, and the importance of understanding ownership structures.
- What is an annuity - Types of annuities: fixed/variable/indexed; immediate/deferred; single premium/multiple premium; fixed payout/lifetime payout - Why annuities are used to retirement planning - Parties to the annuity contract and the importance of ownership structure in financial planning - Risks of annuities, and the importance of determining customer suitability
Annuities can play a large role in many portfolios, offering a relatively safe way to provide extra income in retirement years. This course will give an overview of all annuity offerings and delve deeper into a relatively new annuity called the "variable index annuity" or "buffer annuity." By the end of this course, you should have an in-depth knowledge of how variable index annuities differ from other types of annuities, the benefits and drawbacks of these annuities, and how to find out if they are appropriate for your clients and how to explain them to your clients should you feel they are an appropriate choice.
- What is an annuity? - Different types of annuities - What You Should Know About Indexed Annuities - Variable Index Annuity - Annuity Rider Basics - Types of Annuity Riders - The Growth of Variable Index Annuities - Benefits of Variable Index Annuities - Drawbacks of Variable Indexed Annuities - How a Variable Indexed Annuity Fits into your Clients' Portfolios