FSD Insurance & Financial Services - Independent Fixed Annuity & Life Insurance IMO

  • Home
  • Deferred Annuity
    • MYGA Rates
    • Request A MYGA Quote
    • Split Annuity Quote
    • Savings Comparison Quote
    • Annuity Commissions
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • SPIA With Liquidity
    • Medically Underwritten
    • Types Of SPIA
    • SPIA Commission
  • FIA
    • Fixed Indexed Annuities
    • FIA Quote Request
  • Life
    • Single Primum IUL Info
    • Life Insurance Quotes
    • Life Insurance Commission
    • SPWL Quotes
  • Agent Area
    • Deferred Rate Sheets
    • Indexed Rate Sheets
    • Agent Appointment
    • Annuity webinars training
    • FSD-Spreads-Downloads
    • Specimen Contracts
    • Qualified Plan Options
    • Rewards/Contest
    • News Keep Aware Of
  • About Us
    • Who we are
    • Contact Us
    • Annuity Blog By Jeff
    • Disclaimer - Terms Of Use
  • More
    • Home
    • Deferred Annuity
      • MYGA Rates
      • Request A MYGA Quote
      • Split Annuity Quote
      • Savings Comparison Quote
      • Annuity Commissions
    • Immediate Annuity
      • Basic SPIA Quote Request
      • Detailed SPIA Quote Form
      • SPIA With Liquidity
      • Medically Underwritten
      • Types Of SPIA
      • SPIA Commission
    • FIA
      • Fixed Indexed Annuities
      • FIA Quote Request
    • Life
      • Single Primum IUL Info
      • Life Insurance Quotes
      • Life Insurance Commission
      • SPWL Quotes
    • Agent Area
      • Deferred Rate Sheets
      • Indexed Rate Sheets
      • Agent Appointment
      • Annuity webinars training
      • FSD-Spreads-Downloads
      • Specimen Contracts
      • Qualified Plan Options
      • Rewards/Contest
      • News Keep Aware Of
    • About Us
      • Who we are
      • Contact Us
      • Annuity Blog By Jeff
      • Disclaimer - Terms Of Use
  • Sign In
  • Create Account

  • Bookings
  • My Account
  • Signed in as:

  • filler@godaddy.com


  • Bookings
  • My Account
  • Sign out

Signed in as:

filler@godaddy.com

  • Home
  • Deferred Annuity
    • MYGA Rates
    • Request A MYGA Quote
    • Split Annuity Quote
    • Savings Comparison Quote
    • Annuity Commissions
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • SPIA With Liquidity
    • Medically Underwritten
    • Types Of SPIA
    • SPIA Commission
  • FIA
    • Fixed Indexed Annuities
    • FIA Quote Request
  • Life
    • Single Primum IUL Info
    • Life Insurance Quotes
    • Life Insurance Commission
    • SPWL Quotes
  • Agent Area
    • Deferred Rate Sheets
    • Indexed Rate Sheets
    • Agent Appointment
    • Annuity webinars training
    • FSD-Spreads-Downloads
    • Specimen Contracts
    • Qualified Plan Options
    • Rewards/Contest
    • News Keep Aware Of
  • About Us
    • Who we are
    • Contact Us
    • Annuity Blog By Jeff
    • Disclaimer - Terms Of Use

Account


  • Bookings
  • My Account
  • Sign out


  • Sign In
  • Bookings
  • My Account

Webinars - Training

Upcoming Webinars (see below for replays)

Athene - Tuesday, February 7 at 11 a.m. CDT

Partial Roth Conversions: The Road to Tax-Advantaged Income

Register Here

American National - Tue, 02/07/23 - 1:00 CST

Make a Fast Start to 2023 - Top Life and Annuity Products 

Register Here

American National - Wed, 02/08/23 - 1:00 CST

ASIA PLUS Product Training 

Register Here

Athene - Thu, Feb 9, 2023 9:00 AM - 10:00 AM PST

Social Media 101

Register Here

American National - Thu, 02/09/23 - 1:00 CST

ExpertApp Software Training  

Register Here

American National - Tue, 02/21/23 - 1:00 CST

Signature Performance IUL Software Training   

Register Here

Athene - Tue, Feb 21, 2023 9:00 AM - 10:00 AM PST

S&P 500® Index Update & Economic Outlook 

Register Here

American National - Wed, 02/22/23 - 1:00 CST

 ExpertApp Software Training     

Register Here

Webinar Replays

REPLAY - American National - Available Now

MYGA Product Training Video Replay 

View Video

REPLAY - GILICO Guaranteed Income Life Insurance Company - 2 Minute Video

 A BLENDED STRATEGY - Fixed Index Annuity

View Video

REPLAY - Pacific Life - Available Now

IRAs In Today's Tax Environment 

View Video

REPLAYS - Equitrust - Available Now

Check out past webinars

Visit Page

REPLAY - PACIFIC LIFE

Building Deeper Relationships with Women -  This webinar explores key lessons learned about women’s common financial hurdles, how to deepen relationships with women by building high-trust environments, and to focus on what matters now. We discuss careers, divorce, and disengaged spouses.  

View Replay

REPLAY - PACIFIC LIFE

Client Conversations: Creditor Concerns for Retirement Savings

Saving and growing retirement wealth are the first steps in securing your clients’ lifestyles in retirement.

View Replay

2021 SUITABILITY UPDATES

2021 Suitability updates

American National - Newly Revised NAIC DOL Fiduciary Model

American National Annuity Product Training 

  • Newly Appointed producers must take the IMG  All-Encompassing Course located in your Learning Plan on 1/1/2021.
  • Existing Producers who have already take the IMG All-Encompassing Course satisfy the requirement with the review of the content in this email.

Continuing Education Training 

  • For producers in states that have adopted the Revised Model and have already taken the previous suitability model:
        Producers who have already completed the original training requirement before January 1, 2021 must complete either a new one-time 4-hour course or an additional one-time 1-hour course before July 1, 2021.
  • For producers in states that have adopted the Revised Model and have NOT already taken the previous suitability model:
    Producers who have not taken the original training requirement before January 1, 2021 must complete the new one-time 4-hour course before selling annuities. 
  • Current list of states that have adopted the revised model


Find the 1-hour and 4-hour CE courses on the RegEd website under the state you are licensed. 

  • Go to RegEd Website 

Equitrust - Additional General Annuity Training – Due to NAIC Model Regulation

The National Association of Insurance Commissioners (NAIC) revised the Suitability in Annuity Transactions Model Regulation 275. Since finalized in February 2020, three states have adopted the Regulation: Arizona, Iowa and Rhode Island. As additional states adopt the Revised Regulation, producers doing business in those states will be required to complete additional General Annuity Training CE. 

The revisions to the Model Regulation require completion of EITHER a 1-hour General Annuity Training CE course available by producers who have taken the previous NAIC Annuity Suitability training, OR a new 4-hour General Annuity Training CE for those who have not taken it previously. General Annuity Training CE must be completed with a training vendor approved by the state of sale. For information about General Annuity Training vendors,

  • Training click here .

GILICO - New Annuity Suitability Forms Required January 1st & Beyond

Annuity cases submitted January 1st & beyond should include the new suitability forms below. These forms will appear in the App Builder online as of December 31st and the previous suitability form will be removed. 


  • Annuity Suitability Client Profile
  • PRODUCER RELATIONSHIP DISCLOSURE FORM


Sentinel Security - Important - State Adoption of Best Interest Standards!

In February of 2020, the NAIC Membership approved revisions to Model #275 Annuity Suitability & Best Interest Standards. All recommendations by agents and insurers must be in the consumer's best interest, and agents and carriers may not place their financial interest ahead of the consumers' interest in making a recommendation. To date, Arizona, Iowa, and Ohio have adopted the Best-Interest Standard with an implementation date of January 01, 2021. 

  • Agent Disclosure Form - For business written in Arizona, Iowa and Ohio, the agent disclosure must be signed by both the consumer and agent and submitted with the application starting January 01, 2021. The Agent Disclosure Form will be in all application packs, except Florida, on the Agent Portal as of January 1, 2021. 
  • Suitability Questionnaire - We have also updated the Suitability Questionnaire and will begin using the new form for all states, except Florida, beginning January 01, 2021. 

SILAC Insurance - New Annuity Suitability Requirements

Effective January 1, 2021

Under the Suitability Rule, agents are required, when making a recommendation to purchase an annuity, to act in the best interest of their clients based on the circumstances known at the time the recommendation is made and to place the consumers interests ahead of the insurers and agents financial interests. The Suitability Rule has been adopted by Arizona, Iowa, and Rhode Island. The rules in Arizona and Iowa are effective January 1, 2021 and the rule in Rhode Island is effective April 1, 2021. We anticipate that several other states will propose and adopt the Suitability Rule in the coming months. 

  • SILAC has updated its Suitability Guidelines to assist you in your compliance efforts with the revised Suitability Rule and recommends that you thoroughly review the revised guidelines to ensure that your submitted business can be efficiently processed and issued. Please download the updated Suitability Guidelines on the Agent Portal. 
  • As shown in greater detail in the Suitability Guidelines, agents are considered to act in a consumer’s best interest if they have met the obligations regarding care, disclosure, conflict of interest and documentation. Click here for the updated Suitability Guidelines. 

Lafayette Life - NAIC Best Interest Model Regulation

New Materials

  1. A new Financial Representative Best Interest Certification     form – required at point of sale with every application.
  2. A new Consumer Profile Information Questionnaire –      replaces previous suitability form and is required at point of sale with      every application.
  3. A revised Replacement Addendum form – required at point      of sale with every application.
  4. Appendix A – a new required disclosure that producers      must make to consumers at the time of the annuity recommendation.
  5. Consumer Profile Information Questionnaire
  6. Consumer Profile Information Replacement Addendum 

Sagicor - Suitability Requirements Effective January 1, 2021

On February 13, 2020, the National Association of Insurance Commissioners (NAIC) approved an update to the Suitability in Annuity Transactions Model Regulation. The updated regulation adds a requirement for producers to “act in the best interest of the consumer when making a recommendation of an annuity”, as well as other associated requirements. Subsequently, Arizona and Iowa became the first two states to adopt the revised model with an effective date of January 1, 2021. 

  • Sagicor has implemented the following to comply with the new requirements for producers selling annuities in Arizona and Iowa. Note that all the identified forms: (1) may be downloaded and printed from Sagicor’s Producer Portal; and (2) will automatically be included in all annuity e-application packets. Properly completed forms must be submitted with every Iowa and Arizona annuity application on or after January 1, 2021. NO EXCEPTION WILL BE GRANTED.  

FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

  • Home

Cookie Policy

This website uses cookies. By continuing to use this site, you accept our use of cookies.

Close