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 [email protected].

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. You also can review income rider options for your clients and prospects.
• 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

• 28% of consumers ages 45 to 75 are contemplating postponing retirement because of financial concerns. Those lacking a pension or annuity are twice as likely (36%) to do so than those without either source of protected income (17%). (2025 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• 65% of financial advisors indicated that they changed their retirement planning approach over the past year to address client concerns about market volatility, inflation and rising interest rates. 50% of financial advisors said they are putting more client money into annuities, which ranks as the most popular change in retirement strategy. (2025 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• 58% of consumers ages 45 to 75 are concerned their Social Security benefits will be reduced. (2025 Alliance for Lifetime Income and CANNEX Protected Retirement Income and Planning Study)
• Benefits from annuities enable retirees to postpone receiving Social Security payments, saving the program $100 billion over time as the greatest surge of Baby Boomers retire. (Insurance Benefits and Government Spending, ACLI, published March 2025)
• Nearly two thirds (65%) agree with the statement that preparing for retirement makes them feel stressed. (2025 EBRI/Greenwald Research Retirement Confidence Survey)
• More than half (51%) of Americans think it's somewhat or very likely they will outlive their savings. (Northwestern Mutual's 2025 Planning & Progress Study)
• 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.