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In a 24 page document that covered 34 questions released last Thursday, the Department of Labor released answers to some of the most frequently asked questions they’re getting about the rule.

We’ve been asked to give you Americans for Annuity Protection’s (AAP) four quick takeaways for independent annuity distribution and life only insurance advisors.

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Canada Goose Parka We have paraphrased the questions as AAP received Canada Goose Jackets them and submitted to the DOL for clarification. Canada Goose Parka

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DOL’s Q22: Can insurance companies rely on independent insurance agents to sell fixed rate and fixed indexed annuities to retirement investors after the applicability date of the Rule?

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AAP’s FAQ: Can I work with my choice of IMO and not be restricted to any one financial institution?

DOL’s Q23: What is the role of insurance cheap Canada Goose intermediaries, such as independent marketing organizations (IMOs), in the sale canada goose uk shop of annuity contracts to retirement investors after canadian goose jacket the applicability date of the Rule?

Under the exemption, marketing organizations like IMOs are not treated as financial institutions that can execute the Best Interest Contract. Instead, the exemption contemplates that the insurance company (or other enumerated financial institution) will take responsibility for ensuring that the exemption’s conditions are met and that investment advice to buy the insurer’s products are in the best interest of retirement investors.

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However, the Rule does not require that you only be with one IMO or FI. An IMO or FI may require it to aggregate all of your business, but the Rule does not. By recognizing that advisors can and do have multiple carrier relationships (which by extension means possibly more than one FI or IMO), the advisor seeking as many carriers, IMOs and FIs that offer the canada goose uk outlet products his clientele demands, may remain independent.

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AAP’s FAQ: The 65 Million Dollar Question!

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There are still more FAQs for the FAQ, but for now, these answers are good news for independent distribution and annuity customers.

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