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Insurance Business Concepts (IBC) Global
United States
Registrace 13. 08. 2018
Here at IBC Global, our main goal is to educate people about high cash value life insurance, how to maximize your value, and how to use your policy! We show how a life insurance policy can not only provide a death benefit but also be a safe place to put your money so it can grow tax-free. This can help pay off debt, grow a business, save up money, etc. We pride ourselves in our unique policy design, insurance company selection, and educational approach to sales. Feel free to explore our website and social media accounts, and call or email us with any questions you may have!
IBC Global is independent of, and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC.
IBC Global
(610)-681-2655
ibcglobalinc.com
IBC Global is independent of, and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC.
IBC Global
(610)-681-2655
ibcglobalinc.com
Pocono STR & Home Conference with IBC Global's Steve Parisi
Learn More About The Conference Here: poconostrandhomeconference.com/
zhlédnutí: 109
Video
"Proof" of a 40/60 Policy Giving More Cash Value Than a 10/90 - Really?
zhlédnutí 917Před 9 hodinami
Want to Work With Us? 👉 ibcglobalinc.com ─────────────────────── SUBSCRIBE for MORE ➡️ bit.ly/IBCSubscribe CONTACT US: 📞 1-800-805-3707 📧 info@ibcglobalinc.com 🌐 IBC Global Website: ibcglobalinc.com ─────────────────────── SOCIAL MEDIA: Instagram ➡️ ibcglobalinc Facebook ➡️ IBCglobalinc/ Twitter ➡️ ibcglobalinc LinkedIn ➡️ www.linkedin.com/company/ibcglob...
My HONEST Thoughts on Dave Ramsey...
zhlédnutí 1,1KPřed 19 hodinami
Want to Work With Us? 👉 ibcglobalinc.com ─────────────────────── SUBSCRIBE for MORE ➡️ bit.ly/IBCSubscribe CONTACT US: 📞 1-800-805-3707 📧 info@ibcglobalinc.com 🌐 IBC Global Website: ibcglobalinc.com ─────────────────────── SOCIAL MEDIA: Instagram ➡️ ibcglobalinc Facebook ➡️ IBCglobalinc/ Twitter ➡️ ibcglobalinc LinkedIn ➡️ www.linkedin.com/company/ibcglob...
Maximizing Social Security: What Age Should I Start Taking Income?
zhlédnutí 389Před dnem
Watch The ENTIRE Webinar Here 👉 czcams.com/users/livebIbbBTuZc78 Want to Work With Us? 👉 ibcglobalinc.com ─────────────────────── SUBSCRIBE for MORE ➡️ bit.ly/IBCSubscribe CONTACT US: 📞 1-800-805-3707 📧 info@ibcglobalinc.com 🌐 IBC Global Website: ibcglobalinc.com ─────────────────────── SOCIAL MEDIA: Instagram ➡️ ibcglobalinc Facebook ➡️ IBCglobalinc/ Twitter ➡️ twit...
Infinite Banking in Action - How a Business Owner Uses A Whole Life Policy as his "Own Bank"
zhlédnutí 994Před 14 dny
Want to Work With Us? 👉 ibcglobalinc.com ─────────────────────── SUBSCRIBE for MORE ➡️ bit.ly/IBCSubscribe CONTACT US: 📞 1-800-805-3707 📧 info@ibcglobalinc.com 🌐 IBC Global Website: ibcglobalinc.com ─────────────────────── SOCIAL MEDIA: Instagram ➡️ ibcglobalinc Facebook ➡️ IBCglobalinc/ Twitter ➡️ ibcglobalinc LinkedIn ➡️ www.linkedin.com/company/ibcglob...
Can I Transfer Money From my 401K or IRA to a Whole Life Policy?
zhlédnutí 2KPřed 21 dnem
Want to Work With Us? 👉 ibcglobalinc.com ─────────────────────── SUBSCRIBE for MORE ➡️ bit.ly/IBCSubscribe CONTACT US: 📞 1-800-805-3707 📧 info@ibcglobalinc.com 🌐 IBC Global Website: ibcglobalinc.com ─────────────────────── SOCIAL MEDIA: Instagram ➡️ ibcglobalinc Facebook ➡️ IBCglobalinc/ Twitter ➡️ ibcglobalinc LinkedIn ➡️ www.linkedin.com/company/ibcglob...
How Do "Dividends & Guaranteed Interest" ACTUALLY Work in my Whole Life Insurance Policy?
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How Do "Dividends & Guaranteed Interest" ACTUALLY Work in my Whole Life Insurance Policy?
One Annuity or Two Annuities? Maximizing Retirement Income
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One Annuity or Two Annuities? Maximizing Retirement Income
How We Handle Underwriting with Life Insurance Applications: An Inside Look
zhlédnutí 379Před 28 dny
How We Handle Underwriting with Life Insurance Applications: An Inside Look
Why a Business Owner Chose Whole Life Instead of a Bank
zhlédnutí 877Před měsícem
Why a Business Owner Chose Whole Life Instead of a Bank
Guaranteed Income During Retirement: How HE Did It... And How YOU Can Too!
zhlédnutí 677Před měsícem
Guaranteed Income During Retirement: How HE Did It... And How YOU Can Too!
Get a Whole Life Insurance Policy Cash Value
zhlédnutí 359Před měsícem
Get a Whole Life Insurance Policy Cash Value
What's The Difference Between Guaranteed Interest & Dividend Rate?
zhlédnutí 648Před měsícem
What's The Difference Between Guaranteed Interest & Dividend Rate?
Using a Whole Life Policy for my Business
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Using a Whole Life Policy for my Business
Annuities 101: What You Should Know | Financial Friday #75
zhlédnutí 350Před měsícem
Annuities 101: What You Should Know | Financial Friday #75
How this Business Owner Uses His Policy
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How this Business Owner Uses His Policy
Why Do They Have Life Insurance When They Don't Need It?
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Why Do They Have Life Insurance When They Don't Need It?
A Couple Who Made The Jump to Insurance Sales! - A Conversation With...
zhlédnutí 361Před měsícem
A Couple Who Made The Jump to Insurance Sales! - A Conversation With...
How Do People ACTUALLY Use Whole Life Insurance as Their Own Bank?
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How Do People ACTUALLY Use Whole Life Insurance as Their Own Bank?
How We Helped Him Have Enough Money In Retirement Without Risk 🙂
zhlédnutí 372Před měsícem
How We Helped Him Have Enough Money In Retirement Without Risk 🙂
Protecting Your Most Valuable Asset with Disability Insurance!
zhlédnutí 317Před měsícem
Protecting Your Most Valuable Asset with Disability Insurance!
How to Choose The Right Whole Life Insurance Policy - Company & Product
zhlédnutí 586Před měsícem
How to Choose The Right Whole Life Insurance Policy - Company & Product
How Dividends Work in a Whole Life Insurance Policy - More Cash Value or More Life Insurance?
zhlédnutí 568Před 2 měsíci
How Dividends Work in a Whole Life Insurance Policy - More Cash Value or More Life Insurance?
Retiring Soon. Does An Annuity Make Sense to PROTECT my Money and GUARANTEE Income
zhlédnutí 435Před 2 měsíci
Retiring Soon. Does An Annuity Make Sense to PROTECT my Money and GUARANTEE Income
Getting a Whole Life Policy for Infinite Banking - Look At Your Numbers!
zhlédnutí 801Před 2 měsíci
Getting a Whole Life Policy for Infinite Banking - Look At Your Numbers!
How To SAVE Money with a Whole Life Insurance Policy
zhlédnutí 945Před 2 měsíci
How To SAVE Money with a Whole Life Insurance Policy
Annuities: What Are They? How Can You Use Them? | Financial Friday #74
zhlédnutí 517Před 2 měsíci
Annuities: What Are They? How Can You Use Them? | Financial Friday #74
Whole Life Insurance: What Should I Do? What Should I NOT Do?
zhlédnutí 2,2KPřed 2 měsíci
Whole Life Insurance: What Should I Do? What Should I NOT Do?
Maybe I don't understand it completely but it seems sketchy
Will this work with 1 or all of the Big 4
Yes :) We showed two of the 4 Major Mutuals at the end of the video.
I would love it if you would show a pure base policy and how it performs. I am a big proponent of IBC but I am more a proponent of Whole life insurance as a whole. I would rather train my customers to hold on to cash that they do not need right away so that they can maximize their cash over the long haul. I know corporations may differ but I think we should steer people to look at their insurance as an asset for the long haul. Of course considering their age... as a factor. What are your immediate thoughts. Love your shows always!!!
A 10/90 maximizes cash over the long haul.
This is just the latest version based on previous video(s) that Steve already did addressing this myth that 40/60 "gives you more cash value" than 10/90 - czcams.com/video/WRzRUgAtbDs/video.html (Dividend Study) czcams.com/video/T6Hk2y913JA/video.html ($100k per year) czcams.com/video/f32wIEisOcs/video.html (Agents commission)
My hunch is that you could open 2 policies at 10/90 and still pay less in comms than 1 40/60 and come out ahead!
Your hunch is correct. We've run case studies on this before. See below. - czcams.com/video/-DAi8S3LeFs/video.html&pp=ygUcbXVsdGlwbGUgcG9saWNpZXMgaWJjIGdsb2JhbA%3D%3D
@@IBCGlobalInc Even if you did it simultaneously and paid nothing but the premium to the 2nd I bet it would still beat 1 40/60!
Awesome explanation
Thank you!
Here is the problem with the 10/90 policy. If the client doesn't put in huge amounts of money into the PUAR the policy can become unstable as the client gets older. The 40/60 design is safer and more stable as the client gets older.
Prove it.
Is a 10/90 policy “unstable” if I don’t add enough money?
@@IBCGlobalInc Yes, as the client gets older if you don't put in a lot of money in the PUAR then the term rider gets very expensive. All you are doing is re-creating the problems associated with IUL.
@@timothythompson4036 We can just reduce, or remove the term rider to fix the potential problem. That will reduce the term cost, or remove them altogether. If the OYT is a concern, you can still set up a 10/90 policy with a level term rider. We illustrated a 10/90 with a OYT and level term rider in the video. Hope this helps! Thanks again for watching and commenting! :)
@@IBCGlobalInc Yes you can, but you are then reducing the clients death benefit as they get older, when they really need the death benefit. Steve, by the way, I really like your channel. You challenge people intellectually. That is important in this business.
I gravitated to this channel years ago based on the IBC naming… but if truly embracing the concept of IBC, you’d be encouraged to maximize use of current and future human life value into completely non-blended policy structure. Of course the 10/90 blending markets well to scarcity minded perception that “paying less” and/or “paying for shorter period” is better. As for me, I want none of what underwriting will approve to be consumed by term policy rider. I absolutely will have future windfalls that will require capacity - for that I’ll want convertible term that term riders would conflict with in terms of human life value coverage. Couldn’t care less if break even is 5 years vs 8… my future self and my future family policy portfolio will want every dollar of future capacity.
You must be an agent who wants that sweet high commission. If you need the money available now to invest, never go with a 60/40. I don't just have an abundance mindset. I actually act on it.
@@AncientMarinerNY ah, the greedy agent argument… that’s creative. I am in fact an agent, but commissions are nearly an irrelevant portion of our family’s income. As far as investments today or 10 years from now… they are significantly enhanced by those investments being self-financed through the family bank - because capital structure of every transaction is nearly half the long-term value - why pass up financing value of ANY transaction, including expansion of policy portfolio for that matter! We’re virtually not spending or investing a dollar that we can’t self-finance. And in order to self-finance to the magnitude we’re pursuing requires as large a reserve of capital to collateralize as possible. And a significant portion of that capital capacity is LOST to a term rider. That is where the value proposition is… not some small minded focus on commission or policy “cost”
Prove that your version performs better.
@@abark that is the thing… performance of the product is irrelevant to me. It’s a marginal difference at best. Couldn’t care less about a 4% or 5% IRR on the reserve capital or a 5 year break even vs 8 year. I care about maximum capacity of the reserve capital, because the liquidity, leverage, protection and use of that reserve capital is far more valuable than the product performance. Term riders steal from potential capacity that can be approved through underwriting. Focusing on result of the product is limited thought process
@dontfighttheriptide4091 it doesn't have to be creative to hit the mark. Plus, how are you losing a significant portion of the capital if it only costs an additinal 300 per year (to use the example illustrated in the video) to add a term rider to the 10/90 that matches the 40/60 split. On the other hand, if a significant part of your capital is not available for 7 years at the start of your policy then that definitely impacts your investments. 10/90 is better even if long term performance is the same. One of the key advantages of IBC is to have access to your capital. 40/60 locks a higher portion from you at the beginning.
👉🏾✨✨✨
Thank you for the info !
Dave talks bad about you and your kind and has no problem with it. He insults insurance agents and basically calls them thief's, scammers, and criminals for selling whole life (this is usually true by the way?). I must agree that Dave is 100% correct but only maybe 90% of the time. Why? I agree with you that if a filthy rich person has extra cash to hide tax free and then to be able to use it to make more money borrowing from your own policy, then whole life is an unbelievably GREAT tool to use to keep and produce more wealth! For the average person suffering under Biden inflation though they cannot afford gas, food, or a home so putting $20K down every year for whole life if not doable. Whole life is almost totally a tool for the uber rich. I have 3 whole life policies on my children and had one on my mother and all 3-4 policies are crap and I should have invested in something else like Apple or Lockheed Martin stock. With that said, I purchased those policies while I was poor but now I am better off and I do plan to purchase between 3-6 whole life policies on kids and grandkids and fund them exceptionally well to create funding for my Family Bank in my Perpetual Trust in South Dakota which will provide income to all my descendants for hundreds+ of years I hope? Just look up the Rockefeller family "Dynasty" trust and see that they are all millionaires and it does work and whole life is the engine that drives the funding. My point? Whole life is just one great tool in a tool bag full of great tools so pick the right tool to do the job that actually fits it and don't let some insurance agent sell you a tool that does not fit your needs just so he can make huge commissions off of it. I carry a drill in my tool bag but I do not use it as a pipe wrench to fix my plumbing problems. I can drive a nail with a drill but it is not pretty and does not work as well as a hammer would. Whole life is for the rich and term life is for the poor and average people. Long Term Care is more important for the working people but that is another topic.
As a graduate of Dave's FPU, my feeling is he has done his reputation a great disservice, and has lost a good measure of my respect, personally. His ideas and plans to get put of debt, and manage your money properly are excellent. And if his belief was, that if you're struggling with your finances, you shouldn't buy into a whole life, but rather buy a term for protection at a manageable premium, that would be fine. But that's where he should stop. Not every product is right for every consumer, but some products are perfect for a lot of people. When he lays blame on an entire industry because he had a bad experience with a Northwestern product/agent, he comes off as an arrogant, uninformed person. His personality is abrasive, when it doesn't need to be.
Dave doesn't like whole life because he doesn't own a whole life company.
When he says the insurance company steals the cash value, that goes against the formula I learned on my exam: Net Amount at risk + cash value-any outstanding loans = Net death benefit. That's not even including the nonsense he tells his audience about dividends.
excellent video (as usual), keep 'em coming!!
Dave is a salesman, if he cant profit from a product he wont sell it.
Dave Ramsey financial education is perfectly appropriate for people with zero basic financial understanding. Basically, he can teach terms and definitions. After that, Imma say R Nelson Nash #ForTheWin
11:45 @Steve Parisi couldn’t you have gone even leaner and got north of $1.8M CV in first year?
I always appreciate how IBC (Steve Parisi and his firm) transparently discuss commission and that all important equation: higher commissions are of less value to the end customer, while lower commissions are of better relative value.
Personal finance is the broad net of the category, but in DR’s case it’s more appropriately branded “impersonal finance”. Even the calls that he takes from individuals, I don’t find have the due care that should be afforded an individual - there’s just not enough time given DR’s format, so I’m not devoid of respect for what is accomplished by DR for a mass market, generic advice for the mean or average caller. An individual should be able to assess that they are not receiving personalized financial advice over the span of a 10 minute phone in; but not all such individuals will realize this. 15:40 I don’t think DR would invest time to understand WLI because it’s not a product that is most suitable for the vast majority of his readership/viewership.
And like most fools they only know what they learned in school. Good book for you to read "what would the rockefeller family do" 5 generation of wealth and they did not use Roth Ira, they used whole life
00:00 People use whole life insurance as their own bank to gain more control over their finances and avoid paying excessive interest on traditional loans. 03:13 People use whole life insurance as their own bank by funding the policy to build cash value, avoiding traditional banks and using the cash for things like paying off a mortgage or saving money. 06:52 Whole life insurance allows you to borrow money at a higher interest rate while still earning the original growth rate on the full amount, providing compounding cash value and greater control over funds compared to traditional banking. 11:05 People use whole life insurance as their own bank by funding a policy, taking out a loan, and maximizing the cash value to use the money while still earning interest. 14:37 Whole life insurance can be used as a bank by setting up the policy with minimum insurance premium and maximizing cash value, allowing for loans to be taken out against the policy, which can be repaid to restore and grow the cash value over time. 18:25 Compare the growth of your money with the loan interest paid to the insurance company to see if you're in the black or red, and over time, the total growth should exceed the total interest paid. 20:28 People use whole life insurance as their own bank by funding the policy, building cash value, and earning 4-5% over time, while also accounting for loan interest and maximizing cash value with additional funds. 23:39 Using whole life insurance as a financing tool allows for maximizing cash value, compounding, and gaining control while avoiding dealing with banks and institutions.
A fool and his money shall soon part. Never Never Never buy Whole Life Policy. Insurance policies are not retirement vehicle a Roth IRA is.
People with more money than you have more of their wealth in cash value life insurance. Some men don't mind leaving lots of money to their wife and kids
Thank you for taking time to explain the process .. Keep up the good work !
Thank you!!! :)
I just wish for everyone to discover your channel .Thank you for this valuable insights.
Thank you! Really appreciate the kind words :)
Dave Ramsey also says credit cards are bad. I’ve made a lot of money off of the points from my credit cards
Did you mention you work with an attorney who can set up TRUST POLICIES??
Do you know what percentage of boli is whole life vs universal life?
Good question. We've only seen Universal Life used for BOLI policies. When we set up BOLI for a bank, the only option available with the carriers was Universal Life Insurance. The companies we reviewed were MassMutual, Guardian, and New York Life.
@@IBCGlobalIncthanks for the feedback
Whats the LTV ? Up to what % of available cash balance can you borrow? It almost sounds like its 100% but that doesn't make sense.
What’s the LTV (loan to value) on a Whole Life Insurance Policy?
Do you have to pay the loan interest bill ? Or can you let it compound?
Do you have to pay the loan interest on my Whole Life Policy?
@@IBCGlobalInc I am sorry I was asking if loan requires the payment. I truly don't know 🙏
@@ThisIsCarine Great question, and sorry I did not answer in my first response. We are not required to pay a loan or loan interest with a Whole Life Insurance Policy in 99% of cases.
This only works on non direct recognition life insurances. But Guardian does not have non direct recognition and Mass Mutual stopped offering high early cash value life insurance.
Thanks for the comment! I've added a few notes and a video below that might be helpful :) - Non-Direct & Direct Recognition. This concept works well with both Non-Direct & Direct Recognition. When comparing the net cash value growth and net cost to borrow, Non-Direct & Direct Recognition are about the same. Below is a video that provides a direct comparison -- czcams.com/video/tJ1ozeVCdNQ/video.html - Guardian policies start out with Direct Recognition but offer the option to change to Non-Direct Recognition in the 10th policy year. - MassMutual still offers their High Early Cash Value Life Insurance Product. We use it regularly. Thanks again for the comment! :)
So are there non direct recognition policies out there ? @@IBCGlobalInc
can a 20 year old get an annuity?
I believe so as long as you have income to show or it could be from inheritance money I suppose.
@@myleneballesteros8164 40 yesrs of compounding.
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erNameIs Monica Lisa Payne, cant divulge much. Most likely, the internet should have her basic info, you can research if you like
I just looked up this person out of curiosity, surprisingly she seems really proficient, I thought this was just some overrated BS, I appreciate this.
It is really refreshing to see a comment about Monica Lisa Payne.I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her approach consistently keeps you ahead of the trend, She's a guru i'll say
niceTo see this here, Monica Lisa Payne's understanding of market indicators is impressive. She knows exactly when to enter and exit trades for maximum profit. her siignals are top notch
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
The problem is that Insurance companies intentionally design the Whole Life Insurance policy the "bad" way. They make money better that way.
Thanks for the comment. You are correct that the "bad" way of designing policies is more profitable for the Insurance Company. With that said, the "design" of an individual policy is in agent's control. If an Agent knows HOW to design a policy for high cash value and is WILLING to do this, the consumer will have more cash value. Thanks again for the comment. We feel it is a big problem in the industry.
This cash value in Life insurance is a scam. Let's imagine it this way. You deposit $20,000 into my savings account every year. Don't worry, it will be safe. There is no stealing here. After 5 years, I'll call you and say, "Hey, your cash value has accumulated to $100,000. You can now borrow against it. But I will charge you 8% interest. BTW, I will also need to charge 1% maintenance fees." Do you now realize how stupid that sounds? Wow, I am making $9,000 (9%) per year from your own money. All I did was have this savings account. LOL.
15:10 Hello I was confused here, can u help me understand. They still have to pay their premiums but I see that their annual outlay is $0. If they still have to pay their premiums, how is the annual outlay at $0
Thank you so much for this detailed and clarified explanations .. God Bless !
I’m glad I found your channel.. I like the way you explained the pros and cons of both products. Thank you !
🎉 Well done!!! Thank you for making this video
49:00 for the “Chris” scenario, no need to commit to an annuity at age 59 - could grow the $700k for 3 yrs in CDs and/or MYGAs, to more than $800k - and then decide to partially annuitize at that time, if desired - another point about age 62, if holding equity in primary residence, could evaluate a HECM tenure payment to generate some of the remaining protected income that the clients seek
35:00 What are the high fees with an income annuity? (Whether a SPIA or a DIA.)
Hi Steve, what is the best way to contact you? i would like to learn more about the splits. 90/10 80/20 70/30 60/40 50/50
Thank you for the comment! :). You can contact Steve at steve.parisi@ibcglobalinc.com or info@ibcglobalinc.com. He checks both emails :)
Interesting. I have a slightly different question. I have a variable annuity I purchased 3 years ago. After some research, I find that an income annuity would have been a better choice. What are the downside of converting a variable annuity to an income annuity? I would likely defer the income annuity.
Great question. It would depend if you current Annuity has surrender fees/charges. - If your current Annuity has surrender fees, these will be retained by the Insurance Company if you transfer it to a new product. - We can always review transferring an Annuity and compare the fess with the guarantees.
Great video. Very few people really understand annuities.
Becoming a millionaire through a Roth IRA or a 401(k) involves different strategies for maximizing profits. A Roth IRA offers tax-free withdrawals in retirement, which can be advantageous if you expect to be in a higher tax bracket later in life. On the other hand, a 401(k) provides tax-deferred growth and potential employer contributions, boosting your savings. The optimal choice depends on factors like your current and future tax situation, employer match, and investment options. Consulting a financial advisor can help tailor a strategy that aligns with your financial goals and circumstances.
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
I wholeheartedly concur. At 40+ years old and newly retired, my external retirement funds total around One million two hundred fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor.
Could you be kind enough with details of your advsor please?
She's known as 'Sharon Marissa Wolfe'. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.
Thanks for the advice. The search for your coach was simple. I investigated her well before using her services. Considering her résumé, she appears competent.
Steve is 4% on $100,000 earned set at the time of contract? Or does it get set by insurance company once a year ?
Steve why did he have policies on his daughters and not himself?
Technically not a scam and maybe better than stuffing a matress, but definitely not worthwhile compared to other available products.
Insane yapping here
Excellent video. Very informative and easy to understand. Life insurance and financial strategies is such an important topic, and this video breaks it down perfectly. If anyone is looking for personalized advice or wants to explore their options further, feel free to reach out to me directly. Let's secure your future together!
31:20 a great Q to ask the advisor/planner/agent is what commissions correspond to the various options being presented, e.g. @Steve Parisi just disclosed in this episode that the commissions are higher for a FIA (indexed annuity) than for a SPIA (income annuity)