Earn Extra Commission with Internal Transfers

March 30, 2026

Reviewing your clients’ financial goals is an ongoing process. Ongoing conversations help you confirm goals, update beneficiaries and make sure each client’s plan still fits their retirement needs.

Now is a good time to check in with your clients. According to LIMRA, U.S. annuity sales have reached record levels for multiple consecutive years and are expected to remain elevated in 2026, driven in part by maturing contracts.¹ As more clients approach or enter retirement, many are naturally revisiting how their assets are positioned for income, protection and long‑term confidence.

Why Interest Rates and Timing Matter

Interest rates are another important reason to revisit existing annuities. While the future path of interest rates remains uncertain, industry research suggests rates are expected to remain relatively attractive by historical standards, even as potential cuts are considered.¹ This creates a practical opportunity to review older contracts and consider whether an internal annuity transfer aligns with a client’s current goals.

Unlock Higher Earnings with Our Internal Transfer Program 

Take advantage of our Internal Replacement Program instead of transferring funds between carriers. We offer full commission on most internal annuity transfers. This applies to annuity business out of surrender, written after 2008, for clients aged 85 and younger.2

Both you and your clients can take advantage of some of our most popular products:

  • FIA: Fixed index annuities offer growth potential tied to market indexes with principal protection, giving clients flexible retirement income solutions. Independent annuity producers can earn a bonus after $1 million of issued FIA sales.
  • MYGA: Fixed annuities provide a range of free withdrawal options, giving clients the flexibility to choose what works best for their needs. Check our website for current guaranteed rates.

Get the full details of our Internal Replacement Program here >

Thumbnail of Internal Transfer Flyer

More About Sales Insights & Tools
Periods of market uncertainty can highlight the importance of protection and stability. Our “10 Reasons to Buy a Fixed Annuity” flyer helps highlight these benefits with your clients.
Offering beneficiary reviews can serve as a conversation starter that helps you deepen client relationships, uncover new needs, and position yourself as a proactive partner in their financial well‑being.
The new Annuity Q&A Playbook is your go‑to tool for FIA questions. This guide helps you have clear, client‑friendly answers that build trust and pave the way to stronger relationships.
Discover how partial index crediting locks in growth and can add valuable benefits for your clients. See an example of how this feature works and the flexibility it offers through life’s changes.
Members of our Annuities team were recently featured in several industry publications, sharing insights on legacy planning, interest rate changes and index product opportunities.
For clients seeking more than fixed rate annuities, consider positioning the ECI Plus FIA as an alternative. This is designed to support retirement savings through guaranteed crediting features even in varying market conditions.

Related Products or Services

Doing business with The Standard is good for you and your clients. Our annuities offer innovative product design, desirable rates, competitive compensation, high industry ratings and excellent service.