--- title: The Growth Annuity Mistake Too Many Advisors Are Making description: Discover the common mistake advisors make with indexed annuities and learn a smarter selection process to ensure growth and client trust. image: https://synergyannuity.com/hubfs/ChatGPT%20Image%20Jul%2014%2c%202025%2c%2003_33_04%20PM.png --- [Skip to content](https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Jul 16, 2025, 11:00:00 AM # The Growth Annuity Mistake Too Many Advisors Are Making ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making) [envelope icon](mailto:?body=https://synergyannuity.com/news-you-can-use/the-growth-annuity-mistake-too-many-advisors-are-making) ### 🚨 Here’s the mistake too many advisors make — and how to avoid it with a smarter, more consistent selection process. Let’s be honest: there are a lot of indexed annuities on the market right now, and many advisors are quick to recommend them as “growth with protection.” But here’s the problem: some of those indexed annuities don’t even outperform today’s **top fixed rates**. And clients are catching on. They’re Googling MYGA rates, comparing guaranteed options, and asking: > “Why would I take a *maybe* when I can lock in a *sure thing*?” If you don’t have a solid answer, you risk losing trust — and business — without even realizing it. --- ### ❌ The Mistake: **Recommending indexed annuities without first comparing them to today’s fixed rate benchmark.** Right now, a 5-year MYGA can offer **5.65% guaranteed**, with 10% annual liquidity and A-rated strength. That’s your baseline. If your indexed pick can’t realistically outperform that in good conditions, then what are we doing? Your clients expect protection, yes — but they also expect potential. And if your recommendation falls short on both, it’s not a plan... it’s a placeholder. --- ### ✅ A Smarter Way: The 3-Point Annuity Growth Test This isn’t about guarantees. It’s about selecting the product with the **most ways to win** — especially when markets cooperate. Here's the process smart advisors are using to separate solid choices from hopeful guesses: --- #### **1. Can it outperform 5.65% in a good market?** This is your growth bar. If the *best-case scenario* strategy doesn’t beat today’s fixed rate options, why introduce complexity or risk? --- #### **2. Does it include at least one strong S&P 500 strategy?** Clients trust what they know. And there’s nothing more familiar than the S&P. Even if the product includes fancy indices, make sure it also offers a **simple, competitive S&P option**. That keeps the conversation grounded and clear. --- #### **3. Do most strategies historically beat fixed?** This is the biggest miss we see. Too many products have **one flashy index** and a bunch of underperformers. > Think of it like building a basketball team: > Would you rather bet on **one streaky scorer**… or build around **multiple players who can consistently put up points**? Your indexed annuity should have more than one way to win. If the client picks the “wrong” index, they should still have a real shot at outpacing fixed — not just hope. --- ### 💡 Why This Matters: Most advisors just pick what sounds good — or worse, whatever their IMO is pushing this week. But when you apply a **repeatable process**, clients notice. You move from salesperson to strategist. You’re not just throwing out product names — you’re **curating solutions** based on logic, not luck. --- ### 🎯 Final Thought: You don’t need to hit home runs with every indexed case. But you do need a lineup that **consistently puts points on the board**. Use this 3-point growth test to filter smarter, close stronger, and prove you’re the advisor with a plan — not just another product picker. 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