Join us as we dive into the world of senior annuities, reflecting on the record-breaking achievements of 2025 and looking ahead to what we expect in 2026.
A Look Back at 2025
2025 was a record year for our organization on annuity production, and we couldn't be more thankful.
A lot of factors contributed to this success. We've built a competitive portfolio of carriers offering tremendous product lines that allow our agents to truly serve their client base.
Not every client is the same – some are looking for safety, others want guarantees, and many need income solutions. The variety we offer has allowed us to tailor cases and help agents win more business.
Lots of New Agents!
We also saw a lot of new agents writing annuities for the first time.
I'll sound like a broken record here, but MYGA rates have been exceptional. And it's not just one or two carriers – it's several offering competitive rates above 5%.
View current annuity rates here
If you're an agent just starting out, a MYGA really gets you in the game and helps a lot of people in the process.
Speaking of new agents, we've been inspired by success stories. We've interviewed agent Amanda Creamer about her incredible annuity success and are excited to share her case study – it'll be published on January 21, 2026 if you are reading this in the future!
Her bread and butter is Medicare, and she's done exceptionally well cross-selling annuities – nothing fancy, just consistent effort. It's very inspiring!
Read More: 3 Med Supp Agents On Why They Cross-Sell Annuities
What's Happening in Q1 2026?
We're building on last year's momentum, and there's a lot to be excited about heading into 2026.
Companies Want Your Business
Insurance companies, especially in the MYGA space, continue to compete for agents' attention with strong rates. MYGA rates remain exceptional at above 5%, and it's not just one or two carriers – it's several offering competitive options.
Take Heartland Life, our leader in MYGA production. They've consistently offered competitive rates, and for seniors, locking in a safe, guaranteed rate around 5% is very appealing. It's a steady option to add stability to a retirement portfolio.
CL Life has also come on strong with interesting products and outstanding service. And LBL (Liberty Bankers Life) remains a solid choice as an A-rated carrier with competitive MYGA rates.
Fixed Indexed Annuities (FIAs)
The opportunities aren't limited to MYGAs. We really picked up momentum in the FIA space in 2025, thanks to our agents.
SILAC led the way for us – the integrity of their renewals has been outstanding, and their service is top-notch. But we've also diversified across multiple carriers, which has been great for giving agents options.
Our partnership with Brokers International has been a key part of that. We work well together, and between us, we offer a nice array of solutions for agents to present to their clients.
FIAs continue to be an excellent solution for people retiring and needing to move their 401(k)s or other retirement accounts. These clients are used to the market's ups and downs, but they want potential for gains while protecting themselves from the downside.
Related Reading: 3 Killer Annuity Sales to Inspire & Motivate
Carrier Bonus Programs for 2026
If you keep an eye on our website, you'll notice several carriers rolling out bonus programs for 2026.
SILAC has one, and here's what's particularly exciting: they've dipped down their threshold in recognition of agents just getting started.
You can now earn incentives at $500K in production, which might sound like a lot, but it's really not when you think about it. Typically, you have to hit $2.5M to get in the game, but now, that entry point is much more accessible for newer agents.
These programs are designed to reward your hard work, and we'll keep you updated as more carriers announce their 2026 incentives.
Market Influences
The world is ever-changing – some developments are incredibly positive, while others can create uncertainty. That's the beauty of a fixed annuity: it offers safety and guarantees.
The market can be outstanding sometimes, but it can also take a turn when something happens in the world. For our senior clients, the rollercoaster isn't much fun anymore. At our age, most of us don't want to get on a roller coaster – we want a merry-go-round that's stable, and we can offer that.
When someone's nest egg dips because of market volatility, that's not much fun. We offer another avenue that provides peace of mind.
Goals for 2026
Our biggest focus for 2026 is getting more new agents started – people who have never written an annuity before.
We want to help them get comfortable talking to their clients about money and see how they can help, whether it's with a 401(k) rollover or just bank money sitting in low-interest accounts.
For agents already writing business, we want to help you take it to another level. To really gain the confidence to step it up and make offering financial products a consistent emphasis. Some clients don't even know their agents do this kind of thing!
I feel like the numbers take care of themselves after that. The more people we help, the numbers speak for themselves.
Coming in Q1: 2-Part Webinar Series
We're planning a 2-part webinar series in Q1 featuring two agents who will share their stories and tips for success.
We're still finalizing the details, but we think it'll be extremely productive. We hope to have a lot of agents tune in and participate! Make sure you are on our email list if you aren't already:
Maximize Your Integrity Platform Tools
If you haven't already, get set up on IntegrityCONNECT.
Keep maximizing the resources we have as a collective organization, including the new E&O insurance discount and other tools that keep getting better all the time.
Related: Get Exclusive Integrity Benefits & Savings — only with IntegrityCONNECT!
Even some of our veteran agents, once they start using these tools, realize how much easier they make life. You can do a lot more with less time, which is critical if you're a one-person operation.
And there's a lot in the works on the financial front that we're excited to see in the future – stay tuned.
Conclusion
If you've never sold an annuity, now's the perfect time to start the conversation. Give us a call, and let's talk about how annuities could fit into your business and help your existing clients.
If you're not offering annuities, chances are your clients are going to someone else who is.
We will 100% do what is best for the client. That is what we're here for. We want to make it easy for you. We'll guide you every step of the way, ensuring we always do right by your clients.
2025 was a great year, but I feel like 2026, we're going to top it. Let's help more clients than ever before!!
