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Zoop Benefits · Agent & Advisor

Annuity Wizard. The right annuity for your client.

Answer a few questions about your client and see which annuity fits and why. Save the recommendation as a PDF, or send it to our Strategy Team to build the carrier illustration you'll present.

Product recommendationCarrier illustration

Questions: 619-673-9667 call or text · [email protected]

01 Type of case

Simple annuity recommendationOne client, one or two contracts. Part of The Waterfall Strategy – Indexed Account (FIA)Annuity, Growth Engine and High Yield / Dry Powder account. $300,000 minimum.

02 Your client

Client's first nameShows on your PDF.

AgeOldest owner's age sets the rates.

State of residence

Income should cover

03 The money

Amount to place

Where is the money now?

The new annuity will be

Waterfall – Indexed Account (FIA) funding rules

Total funding: $300,000 minimum
Growth Engine: $50,000 minimum
High Yield / Dry Powder: $50,000 minimum
Annuity: The balance
Typical split: 70% annuity, 15% High Yield / Dry Powder, 15% Growth Engine

Request the illustration after you've submitted a Strategy Request and the Waterfall Strategy is complete. The Indexed Account illustration is built from that design, so the team confirms both before running it. Haven't submitted one? Send a Strategy Request first, with Tax Mitigation if needed.

The Investment Advisor sets the actual allocation and investment suitability when they meet with the client. Don't recommend allocations before that meeting.

04 What this money needs to do

Guaranteed income for lifeA paycheck that can't run out, now or later. Growth with no market lossesBuild the account now; income can come later. A locked-in rate for a set termCD alternative with a guaranteed rate. Income plus care or legacyPaycheck, long-term care help, and money for family.

Pick the main job for this money.

When should income start?

Income extrasCheck only if it applies.

Needs bigger income early to bridge to a delayed Social Security claim

How long can the money stay put?

Growth preferencesCheck only those that apply. Leave all blank for balanced growth.

Wants all-out growth potential (the Athos Annuity) May want lifetime income from this money later An upfront premium bonus is truly needed

Bonuses aren't free. A bonus usually comes with lower caps or participation rates, a vesting schedule or a longer surrender period, which can limit future growth. Use one only when it's truly needed and suitable for the client.

05 Concerns and access

Check only those that apply.

Worried about long-term care or nursing home costs Wants to leave this money to family

Emergency money outside this account?

Might need more than 10% a year?

06 Your recommendation

Your preliminary recommendation appears here once the client's age, state and goal are filled in.

Suitability statement draft

A starting point for the reason for the recommendation on the carrier's Annuity Suitability form. Edit it so it's in your words.

07 Request the carrier illustration?

Yes, request the illustrationOur Strategy Team builds the carrier illustration for you to present. We'll ask a few more details about you and your client. No, the recommendation is enoughSave it as a PDF. Nothing is sent. You can come back and request the illustration anytime.

08 Illustration request

You

Your name

Your email

Your NPNUsed to verify your license in the state of issue.

Your mobile

Your client

Client's last name

Gender

Client's email

Client's mobileKeeps one record per client in our system.

Spouse's age

Money available

Notes for the Strategy Team

Before we build it

I hold an active life and annuity license in the client's state, the state of issue.

You must be licensed in the state of issue to send this case.

Carrier product training for this product

State annuity and AML training

This fits my clientSend it to the Strategy Team as is. Consider something elseSend it, and ask the team to look at another option.

What should the team consider, and why?

Confirm the preliminary recommendation or tell the team what to consider.

Appointed (contracted) with the carrier?

Preliminary recommendation

Enter the client's age, state and main goal to see which product fits.

What happens next

Your recommendation appears on screen with the reasoning, other options and the brochures. Save it as a PDF; nothing is sent and no email follows.
Want the carrier illustration? Answer Yes at the end of the form and add a few details. Your answers carry over.
Waterfall cases: request the illustration after you've submitted a Strategy Request and the Waterfall Strategy is complete. We confirm both before running the illustration.
Before the client signs, you'll need a license in the state of issue, state, AML and carrier product training, and the In Good Order checklist for the product.

You confirm the recommendation and send the illustration request.
You get a confirmation email that the Strategy Team is creating the carrier illustration, with the steps to get the application in good order.
The Strategy Team verifies your license, confirms the product and creates the illustration.
You get an email with the final recommendation, the illustration and how to position it.
Before the client signs, finish state, AML and carrier product training, and work through the In Good Order checklist for the product.
Our Case Manager takes over at the application, helps you take it if needed, and manages the case through funding.
You submit the application the way the carrier requires.

We help you find money you didn't know you had, then put it to work forever.

888-768-9667
[email protected]
[email protected]
zoopbenefits.com

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