A 1035 exchange moves annuity or life insurance value into a new annuity without current tax, if you follow the rules. Here's what qualifies, the 180-day rule for partial exchanges and the replacement and best-interest checks to finish first.

Starting comp needs no experience and no production minimum. Here’s how to find your current annuity commission levels, compare them carrier by carrier and get them beaten.

Annuity sales hit a record $464.1 billion in 2025 and edged higher in the first half of 2026. Here's what the shifts in FIA, fixed-rate, SPIA and RILA sales mean for producers.

Heaped comp pays everything at issue, while trail options trade year-one cash for recurring income. Here is how age bands, chargebacks and break-even math should shape your election.

MYGAs lock a guaranteed rate for the term; FIAs trade that certainty for index-linked upside with a 0% floor. Here is how to match each to the right client and how starting comp compares.

The NAIC best-interest standard rests on four obligations: care, disclosure, conflict of interest and documentation. Use this checklist to build files that survive carrier and regulator review.

RMDs now start at 73 or 75 depending on birth year, and annuities can shape how much comes out and when. Here is how IRA annuities, annuitized contracts and QLACs fit the 2026 rules.

A fixed indexed annuity can hold IRA money steady while a client converts to Roth in planned pieces. Here is what producers need to know about tax timing, the 5-year rules, surrender charges and bonuses.

72(t) substantially equal periodic payments let clients under 59½ avoid the 10% early-withdrawal penalty, but one misstep triggers recapture. Here are the rules, methods and annuity structures producers should know.

Claiming at 62 can cut benefits by up to 30%, while waiting past full retirement age adds 8% a year until 70. Here's how producers use annuity income to bridge the gap.

Switching IMOs comes down to releases, new contracting and protecting the trails you've earned. Here's the step-by-step process and the questions to ask before you sign.

Most annuity delays happen after the client signs. Here's what case management covers, the most common NIGO causes and how a clean process shortens time to issue.

Medicare clients are already asking about income and savings. Here's how health agencies add annuities with the right licensing, training and a clean compliance wall.