Jane has worked in the insurance industry since 2000 and has served in many home office and sales roles during this time span, including head of Marketing Research at a major insurer and Owner/Operator of her own insurance agency and consulting firm. Jane’s background includes group benefits (life and disability), and annuities. She joined the former GPALM team in September 2011.
Jane holds herself accountable to meet the needs of the agents’ she serves. She believes the best way to earn your business is to be knowledgeable, responsive and accountable. Jane has a high customer service orientation and will always respond promptly to your requests.
Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.