We at FSD are extremely happy with the results of our marketing Liberty Bankers Life (LBL). In 2007 we started with LBL's SPIA product and quickly realized they had extremely strong MYGA rates. Liberty was a "B-" rated carrier at the time so it was rare that an IMO like FSD would market them. After getting to know the carrier, the people and the business model they planned to follow, we became comfortable with Liberty Life and began talking about the products. Fast forward to today. Liberty Bankers has been upgraded to B++. They have a 14% surplus and consistently outstanding service and interest rates.
One of the easiest sale to make is an internal rollover. Liberty Bankers policies to NOT automatically renew surrender charges and if clients want to re-up for a new term they get the higher new money rates. The clients get a higher rate, the agent gets a new full commission and the carrier has the premium under surrender again. A true Win Win Win!
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