Low caps. Slow carriers. Statements showing five years with no growth.

If you've ever had a client ask to get out of an annuity they never should have been in, this session is for you.

In this BREWcast, Greg Spaeth of E4 Insurance Services sits down with Revel One Financial's Nathan Wilbanks (Chief Product Strategist) and Carolyn Luby (Regional Vice President) to walk through how they're rebuilding the fixed index annuity and MYGA playbook — and what it means for the advisors who use them.

WHAT'S COVERED:
→ The 25-year history of fixed index annuities — what worked (GLWBs) and what didn't (proprietary indexes with no long-term track record that quietly moved risk to the client)

→ Guaranteed caps on the S&P 500, including a 10.5% cap guaranteed for the full term on the 5- and 7-year products

→ Index Lock: locking in gains at any point during the 12-month
period, plus a "lower lock" that protects gains if the market turns

→ MYGA options — a 3-year MYGA at 6.10%, and the choice to dial down the rate for added benefits or forgo benefits for the best available rate

→ The Breakthrough product: a 1099 annuity built for CD replacement, where taxes are paid now so heirs don't inherit a large tax bill later

→ Why their rates hold up: a lower cost of manufacturing, built on modern cloud technology rather than a 1970s-era admin system

→ "Cheetah speed" service — contracting in 24 hours, suitability review in 24 hours, transfer forms in 24 hours, e-delivered policies, and commissions paid the same day

→ The carrier's current B++ rating with a positive outlook, and the path they're targeting to A-

→ A look at 2027: guaranteed caps potentially extending to 10-year products, a new GLWB, and Roth functionality

→ Carolyn's real-world view from the field — clients stranded in old annuities, and how guaranteed caps change that conversation

Featuring: Greg Spaeth (E4 Insurance Services), Nathan Wilbanks and Carolyn Luby (Revel One Financial)

As Greg puts it, Revel One gives advisors another competitive, client-focused option for conversations around guaranteed growth, accumulation potential, guaranteed caps, and retirement asset positioning.

Subscribe for more advisor-focused BREWcast sessions every month.

Learn more about working with E4 Insurance Services: https://e4.insurance/

#FixedIndexAnnuity #Annuities #FinancialAdvisor

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Some life insurance conversations you never forget — especially the ones that came too late.

For Life Insurance Awareness Month, E4 Insurance Services brought together four RVPs — Josh Meester, Scott Bachmann, Shayne Fickling, and Steve Walker — for a candid BrewCast on the stories, lessons, and coaching moments that shaped how they talk about life insurance today.

No slides. No pitch. Just real stories from the field.

WHAT YOU'LL HEAR:
→ The client story each RVP will never forget — and why it stuck with them

→ What they wish every advisor understood about the long-term value of life insurance, early in the client relationship

→ What happens when protection ISN'T in place — and the lesson for the advisor in the room

→ How they coach advisors to avoid the “I wish we had done something sooner” conversation

→ The biggest opportunities advisors are overlooking right now in protecting families and businesses

→ One message each would leave every advisor with for Life Insurance Awareness Month

Featuring: E4 Insurance Services' Josh Meester, RVP & Partner; Scott Bachmann, CCM, RVP; Shayne Fickling, CLU, ChFC, LUTCF, RVP; and Steve Walker, CLTC, LUTCF, VP of Institutional Accounts & Partner.

Subscribe for more BrewCast conversations for financial advisors every month.

Learn more about working with E4 Insurance Services: https://e4.insurance/solutions/

#LifeInsurance #FinancialAdvisor #LifeInsuranceAwarenessMonth

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Every generation, family farms are lost — not because the business failed, but because no one had the hard conversation about what happens next.

In this episode of The BREW, host Steve Walker (VP of Institutional Accounts & Partner, E4 Insurance Services) sits down with Lisa Quist of Nationwide to break down the "Land Is Your Legacy" program — a framework built specifically to help financial advisors guide farm and ranch families through succession planning before it's too late.

Lisa shares her own family's story: a 7th-generation Minnesota corn and soybean farm lost because her father-in-law refused to formalize a transition plan — even though she and her husband were the only ones actively farming among 10 siblings. It's a cautionary tale every advisor with agricultural clients needs to hear.

What you'll learn:

✅ Why "someday this will all be yours" isn't a plan

✅ How to structure estate equalization between farming and non-farming heirs

✅ Using life insurance for liquidity, leverage, and tax-efficient wealth transfer

✅ Irrevocable Life Insurance Trusts (ILITs) and estate-freezing techniques

✅ Why a plan without implementation is just a wishIf you work with farm or ranch clients, this is the conversation that could save their legacy — and grow your practice.

If you work with farm or ranch clients, this is the conversation that could save their legacy — and grow your practice.

📞 Want to bring "Land Is Your Legacy" to your clients? Reach out to your E4 Insurance Services RVP to connect with a regional rep!

Find your RVP here: https://e4.insurance/crew/

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Join Dan Peterson, LLIF, LUTCF, FIC, Co-CEO & Managing Partner at E4IS, as he walks through this Streamlined Long-Term Care Pre-Screening Process and reflexive form! Learn how this simple, secure tool helps gather key client information before the meeting, making LTC conversations easier, meetings more productive, and recommendations more personalized. Dan will demonstrate how you, as an advisor, can seamlessly incorporate this streamlined process into your existing review meetings to create better client outcomes and a more efficient planning experience.

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How do you help conservative retirement clients create more predictable income in today’s environment?

In this video, we explore “The Conservative Substitution Planner” client profile and discuss strategies advisors can use when clients rely heavily on bonds, CDs, and traditional portfolio income approaches.

You’ll learn:
• Common concerns conservative retirees face
• Why some traditional income strategies may fall short
• How annuity solutions can help create more predictable retirement income
• Planning considerations for risk-averse clients
• Advisor conversation ideas around income efficiency and retirement confidence

At E4 Insurance Services, we help advisors navigate annuity strategies, compare solutions, and provide support throughout the planning process.

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