God Doesn't Sell Annuities скачать в хорошем качестве

God Doesn't Sell Annuities

01:11 🙏 God doesn't sell annuities; using religion for sales credibility signals potential scams. 01:52:00 ⚠️ Claims of faith don't validate financial advice—focus on actions and product facts. 02:21:00 💔 Greedy agents churned couple's annuities, costing $129k in savings over 3-4 years. 03:02:00 🏆 Fraud case resolved: clients refunded premiums without surrender charges via persistent pressure. 03:45:00 📞 Texas couple with $1.5M in strong FIAs targeted for unnecessary surrender by trusted agent. 04:39:00 📈 FIAs performed well: 9% and 19% gains locked in after two years, 8 years left on surrender. 05:07:00 🔄 Agent pushes bonus annuity swap, erasing gains to cover surrenders and earn new commission. 06:03:00 ❌ Only surrender annuities if new one fixes real issues like poor performance or goal changes. 06:58:00 💰 Agents lose full commissions on year-1 cancellations, partial in year-2, prompting 2-year churns. 07:55:00 ⚖️ Bonus annuities trade upfront cash for lower future crediting rates—nothing is free. 08:25:00 😈 Swapping performing contracts for bonuses is agent greed, not client benefit. 09:35:00 🔍 Verify all annuity advice independently; industry has crooks despite improvements. 10:01:00 🙌 Faith and business don't mix—make objective decisions separate from personal beliefs.