FSD INSURANCE SERVICES INC.

The fixed annuity market is a fast-paced, ever-changing environment. FSD Financial Services was founded to help you navigate this complexity while meeting your clients specific needs. 

FSD is committed to providing timely, efficient service, case design, and technical assistance to Financial Planning & Insurance Professionals.

Independent wholesaler: What is the significance of independence? FSD gives you and your clients precise, unbiased and experienced guidance. 

FSD provides you with the expertise, technical support and comprehensive access:

• Life Insurance and Fixed Annuities
• SPIA/DIA—Single Premium Immediate Annuities
• MYGA—Multi-Year Guarantee Fixed Rate Annuity
• FIA—Fixed Indexed Annuities
• FPDA—Flexible Premium Deferred
• IUL—Indexed Universal Life
• GUL—Guaranteed Universal Life
• SPWL—Single Premium Whole Life

Synergy With Many Groups 

• INDEPENDENT AGENCIES
• LIFE AND P&C AGENTS
• CPA & CFP FIRMS
• INSURANCE COMPANIES
• RIA FEE BASED PLANNERS
• BANKS AND CREDIT UNION
• BROKER DEALERS
• FOUNDATIONS AND INSTITUTIONS
• FRATERNAL ORGANIZATIONS 
• ATTORNEYS 
• MUNICIPALITIES 

Versatile Products And Benefits  

• TAX DEFERRAL
• IRA & ROTH 
• WEALTH TRANSFER
• QLAC | LONGEVITY
• 401K ROLLOVERS
• TRUST OWNERSHIP
• AVOIDING PROBATE 
• 1035 EXCHANGES 
• QUALIFIED TRANSFERS
• TAX FREE DEATH BENEFITS
• GUARANTEED LIFETIME INCOME
• TAX FAVORABLE INCOME
• RETURN OF PREMIUM PRODUCTS 

An IMO For Insurance Companies: FSD Financial is a true marketing organization. We not only appoint agents, we train them, and direct calls to us regarding product specific questions. Once the sale is complete we review the application and transfer paperwork before submitting. We can assist insurance companies looking to get into the fixed annuity field by helping with marketing and branding. We can also create and build products, set up commission schedules, client statements and introduce the carrier and the products quickly to a quality group of independent agents and agencies. 

Responsive Service

SERVICE: Our comprehensive approach to fixed annuities brings together a network of carriers and resources to provide you with a level of service unsurpassed in the wholesale brokerage community. At FSD, we are serious about providing agents and advisors with prompt efficient service, case design, technical assistance, product training and broad market access. In addition to supplying illustrations, we provide the annuity broker with all necessary forms and contracting, case submission, and post sale follow-up. At FSD, we recognize that your time should be spent prospecting and selling. So, leave the processing to us. We continuously monitor the status of each submission for you for fast and accurate results.

INFORMATION: FSD is dedicated to providing the information you need to assure that you are current on all relevant issues. For instance, we continually update our web-site and social media platforms where you can find product information, current interest & commission rates. 

OUR CARRIERS: FSD is a completely independent annuity and life wholesale marketing organization working to meet our brokers’ needs. We have developed relationships with many insurance carriers wherein our selections are based on company ratings, product offerings, new business service and competitiveness.
FSD believes in the value-added approach to insurance marketing; this is why you can feel confident in our approach to working with carriers. Our large number of carriers helps us provide the products you seek.

EXPERTISE: FSD maintains a nationally recognized expert who will help you every step of the way. Jeff Affronti, President of FSD has overseen, as a Marketing Organization, the placement of over $1 Billion of fixed annuities from Hawaii to Maine. Keeping up relationships with the executives and staff at the varies insurance company we represent as well as having a national social media presence keeps FSD relevant. Jeff is often called upon by carrier representatives across the USA to get his opinion on new product ideas or current market conditions. Darren FSD's VP and office manager has helped insurance companies refine their new business forms drawing on his over 15 years of experience in an operations role. FSD's expertise lies in understanding not only what fixed annuities offer, but how annuities are built, priced and sold.

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Fixed Annuities for life insurance agents and brokers