Available Products

Through our annuity carrier relationships, AIP Marketing Alliance supports multiple annuity products for our independent wholesalers and agents. Based on your client needs, AIPMA can direct you toward:

• Fixed Indexed Annuities (FIA): A FIA ties the determination of credited interest to a market index; S&P for example. The FIA’s principal and interest already credited is not subject to loss from market downturns.
• Single Premium Immediate Annuity (SPIA): A SPIA skips the accumulation stage and begins paying out income either immediately or within a year after your client purchased the SPIA with a single, lump-sum payment. Clients also can make larger contributions without the limitations of similar retirement plans (i.e., 401(k), IRA).
• Multi-Year Guaranteed Annuity (MYGA): A MYGA works like a bank CD with a guaranteed rate of return for a specific period with tax-deferred earnings. MYGAs are not insured by the Federal Deposit Insurance Corporation (FDIC) but guaranteed by life insurance companies. A MYGA also can provide a death-benefit for your clients’ beneficiaries.

An annuity is the only financial product that can guarantee lifetime income. Without a limit on annual contributions to an annuity, clients can place money into an annuity to defer paying taxes on their contributions until a disbursement is taken. Your clients also can take a lump-sum payment or schedule guaranteed payments for a specific length of time for a steady stream of income.

Each client’s situation is different. AIPMA also provides an experienced Business Development team to discuss product differences, answer questions, and generate illustrations to help you show annuity product options to your clients. Contact our Business Development Team at (800) 783-5206, Prompt 2 or marketing@aipma.com.

AIPMA Resources

• State-Required Training: You can access AIPMA's WebCE Platform by clicking here.
• Carrier Product Specific Training: You can download the latest training chart by clicking here.
• Website/Portal: Supported by AIPMA’s myAIP CRM, wholesalers can customize a website portal to provide secure access to AIPMA’s annuity quote tools and resources.
• Annuity Comparison Tool: Leveraging this platform, you can select fixed annuity and indexed annuity carriers to compare multiple products by state availability, issue age, benefits, product, rate term, surrender years and other options.
• Calculators: These online resources show your clients “the numbers” including an income rider calculator, 72(t) calculator, retirement planner, RMD & Stretch IRA Calculator, and savings distribution calculator among others.

Annuity Statistics

• Nearly half (48%) of Peak 65 consumers do not think their retirement savings and sources of income will last their lifetime, and nearly a third (31%) worry their retirement income won’t cover their essential monthly expenses throughout their lifetime. (Source: 2024 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• Women are more likely than men to say “protection” is very important to them when planning for retirement (76%) compared to men (67%). (Source: 2024 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• Only 39% of women understand the role annuities play in a retirement plan compared with 52% of men. (Source: 2024 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• 83% of workers are interested in purchasing an annuity with their retirement savings. (2024 EBRI/Greenwald Research Retirement Confidence Survey)
• Three in 10 workers who contribute to their employer's retirement savings plan expect to use those savings to purchase a guaranteed income product. (Gallup's Annual Economy and Personal Finance Poll, conducted April 1-22, 2024.)
• An annuity is not insured by the FDIC (like a bank CD, checking account, or savings account). Annuity guarantees are backed by the financial strength and claims paying ability of the issuing insurance company.AIPMA Annuity Product Training Chart, 12-11-24AIPMA Annuity Product Training Chart, 12-11-24