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Annuity Suitability - California Department Of Insurance
Prospectus 2. Financial Industry Regulatory Authority (FINRA) B. Typically common contract provisions 1. General vs Low interest rate market and its impact on interest rates VI Identify and discuss indexed annuities 25% A. Primary interest crediting strategies 1. Monthly ... Access Document

Insurance Products And The Consumers The Insurance Industry
Industry Regulatory Authority (FINRA). The Series 6 exam is for individuals who wish to sell Equity-indexed annuities are a type of fixed annuity that offer the potential for higher rates of growth. The interest credited to an equity-indexed ... Read Full Source

Securing The Future! NAFA Principles On Suitability
Both FINRA Conduct Rule 2310 and the Model Regulation recognize that the suitability determination is unique to clear, fixed declared rate annuities and indexed annuities are useful tools in assisting consumers to accumulate assets and manage risk. ... Access Full Source

ERISA Section 408(b)(2) Fee Disclosures: Impact On Broker-Dealers
Compliance with FINRA standards is deemed compliance under NAIC’s 2010 Model Reg. Variable annuities subject to FINRA standards. Voluntary compliance with and evaluate compliance policies accordingly, especially for fixed annuities. * Indexed Annuities May be unsuitable for senior ... Read Content

SECURITIES AND EXCHANGE COMMISSION 17 CFR Parts 230 And 240 ...
INDEXED ANNUITIES AND CERTAIN OTHER INSURANCE CONTRACTS AGENCY: Securities and Exchange Commission. ACTION: Proposed rule. SUMMARY: We are proposing a new rule that would define the terms “annuity (“FINRA”), Equity-Indexed Annuities – A ... Read Content

Incorporating Best Practices Into Your 403(b) Plan - ISCEBS Home
Indexed annuities on its website (www .finra.org).7 Given the importance fees have on the growth of investments—and espe-cially in light of the prevalence of annu-ities—403(b) plan participants would benefit from better fee disclosure. One ... Read Full Source

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Past year concerning annuities products.2 FINRA actions, addressed below, involve the following categories of misconduct: (1) unsuitable sales; (2) supervisory failures; (3) market reg ard ing ab uses ag ainst sen iors and indexed an nu ities. - 1 - 671. ... View This Document

ALI-ABA Conference On Life Insurance Company Products ...
Featuring Current SEC, FINRA, Insurance, Tax, and ERISA Regulatory and Compliance Issues November 13 - 14, 2008 Washington, D.C. indexed annuities to his mother. He replied, I wo uldn't recommend them to anybody. B. Purpose of this Paper ... Document Viewer

Important Information About Your Annuity Investment June 2011
Member FINRA and SIPC Robert W. Baird & Co. Incorporated 777 East Wisconsin Avenue Milwaukee WI 53202-5391 Main (414) 765 3500 Toll-free (800 Equity-indexed annuities (EIAs) have characteristics of both fixed and variable annuities. ... Read Here

Annuities - Good Or Bad - Financial Vest - Home Page
Some fixed and indexed annuities can also be used to hold a retirees pension plan instead of leaving it Member FINRA, SIPC. Title: Microsoft Word - Annuities - Good or Bad Author: Mark Created Date: ... Visit Document

Financial Services Compliance & Regulatory Focus
FINRA Reminds Firms of Sales Practice Obligations for High Yield Securities and Cash Alternatives indexed annuities are considered not to be annuity contracts under the securities laws and thus subject to the investor protections. ... Access Doc

SUITABILITY IN ANNUITIES TRAINING - Rhode Island Department ...
Suitability in annuities training naic/finra rules & regs lst ed sbs 10047 6 hrs. pentera group cara lanciotti pqi@pqiresources.com indexed products training course sbs 10180 10 hrs. quest continuing education solutions, ... Retrieve Here

Recently Adopted Rules - Morgan, Lewis & Bockius - An ...
Under the federal securities laws of equity-indexed annuities for annuities issued on or after January 12, 2011. FINRA . 12/12/2008 . SR-FINRA-2008-044 FINRA is informing its members of SEC approval of new consolidated FINRA Rules relating to warrants, options, ... Fetch Doc

American National Insurance Company’s Independent Marketing ...
Inc. (“ANFS”), Member FINRA, One Moody Plaza, Suite 1423 Galveston, TX 77550. ANFS is a subsidiary of American National Insurance Company. American National Insurance Company’s Independent Marketing Group (IMG) Deferred Annuities ANICO Strategy Indexed Annuity ... Visit Document

Fixed Index Annuities - Annuity Think Tank - About Annuities ...
Index Annuities. FINRA communicated that if a registered product is sold to facilitate a State Regulation Already Arkansas has indicated that insurance agents who sell a fixed or indexed annuity as part of the replacement of securities products (such as variable annuities and stocks) must be ... Doc Retrieval

Bibliography - Life Insurance - Annuities
Life Industry Welcomes FINRA Delay on Variable Annuity Rule, R. J. Lehmann, Best’s Insurance News, 01/14/08 Side Stepping the ‘A’ Word: Equity Indexed Annuities: Risk vs. Reward, Moody's Investors Service, Special Comment, December 1996 ... Fetch This Document

American National Insurance Company’s Independent Marketing ...
Member FINRA, SIPC, a subsidiary of American National Insurance Company, 2450 South Shore Blvd., League City, Texas 77573 (281) 334-2469. Indexed Annuities ANICO Strategy Indexed Annuity 10-Year 7-Year Participation Rate 100% 100% Cap Rate 5.80% 6.00% ... Read Here

Talking Points-Money Article-010311
Fixed indexed annuities, be sold using prescribed suitability determination criteria that was designed after the FINRA suitability standards. In addition each and every sale must be reviewed a second time by the insurance company to ensure that the ... Fetch Full Source