The number one retirement concern for seniors is running out of money, and many are turning to annuities because of their life-time income benefit. Annuities were once sold on returns and probate avoidance alone; they now have more bells and whistles that will interest clients. Insurance agents and brokers offering these products need to keep up with current trends in the marketplace. This continuing education class covers an annuity's unique features and their ability to provide income and life insurance benefits.

Class highlights include:

• IRA Qualified Annuities


• Lifetime Ladders and Target-Date Stair Step Ladders


• Variable Annuity Features - Advantages and Disadvantages


• Bail Out Provisions


• Substandard Health Annuities


• Dollar Cost Annuities


• Equity Indexed Annuities - Indexing Methods


• Section 1035 Exchanges


• Approved for 5 Hours of Elective Continuing Education