Heartland Annuities

Annuities offer a simple way to increase new business revenue while helping the clients you already serve, yet many agents avoid this market due to product complexity and additional compliance requirements. We address these concerns through detailed suitability training, carrier education, and mentorship from experienced specialists in annuity sales. If you're interested in adding annuity products to your business, we provide the resources and guidance to help you begin.
Annuity About IMG
Annuity About IMG
We specialize in developing annuity agents through hands-on training, 24/7 support, and expert guidance to better serve their clients.
Annuity About IMG
Asher Molina
Annuity Marketing
Annuity
Annuities aren't complicated—they're just different. And different can be intimidating without the right support. That's where HFG changes everything. Our annuity team assesses your current business, identifies cross-selling opportunities in your existing book, and provides training resources tailored to your experience level—whether you're writing your first annuity or expanding an established practice.
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Benefits of Annuities

Benefits of Fixed Indexed Annuity
FIAs offer growth potential linked to market index performance while protecting principal from market loss, which may appeal to clients concerned about market risk but seeking rates higher than traditional fixed products—our training covers how to explain caps, participation rates, and crediting methods clearly during client discussions.
Safety and Guarantee of Principal
Fixed annuities provide guaranteed growth backed by insurance company claims-paying ability, which may interest conservative savers seeking predictability and we provide education on how to discuss this safety feature and help you explain what 'guaranteed' means in annuity contract terms.
The Power of Tax Deferral
Tax-deferred growth may benefit accumulation over time for clients in certain tax situations and our specialists help you understand which clients might benefit from deferral strategies and how to discuss tax implications appropriately during suitability conversations while maintaining compliance.
Lifetime Income
Fixed indexed annuities with an income rider offer clients the confidence of lifetime income, no matter how long they live. By combining market-linked growth potential with guaranteed payout features, these products help protect retirement savings while creating a dependable income stream clients can’t outlive.

There are two basic types of Annuities

Deferred Annuities
Deferred annuities accumulate funds over time before income begins, which may suit clients several years from retirement who want tax-deferred growth and we provide training on how to identify these opportunities in your client base and present deferred annuities as potential alternatives to other savings vehicles.
Immediate Income Annuities
Immediate annuities convert lump sums into income streams starting within a year, which may work for recently retired clients needing predictable monthly income and our training covers how to calculate income illustrations, explain payout options, and discuss immediate annuities with clients concerned about retirement income.
Annuity Contact IMG
Annuity Contact IMG
Annuity Contact IMG
Annuity Contact IMG
Need some help?
Contact our Annuity team.
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Contact our team to discuss getting started with annuity education and learn about the support HFG provides to agents in this market.
Don't be afraid of Annuities! They are much simpler than you have ever imagined.
Marc Molina
VP, Annuities
Annuity Contact IMG
Contact our Annuity Team
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By submitting this form, I consent to receive telemarketing and informational calls, text messages and emails at the telephone number and email address provided. Heartland Financial Group is not affiliated with or acting on behalf of any government agency or program. These communications may be placed using an automatic telephone dialing system or prerecorded or artificial voice messaging. You also understand you may be contacted via phone or text if a mobile number is provided even if that number is presently listed or added in the future to the federal or state Do Not Call list. I understand that I do not need consent to receive these calls, texts, or emails as a condition of acquiring any Heartland Financial Group product or service or for any other reasons. By submitting your information, you may be contacted by a Heartland representative. If unwilling to consent, call 1-800-488-6207 to learn more about our insurance products and services. Message and data rates may apply. Other terms and conditions apply.
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