Your Suitability Obligation

Making decisions about retirement can be confusing. Your customers will seek your knowledge and expertise to help them find the right solutions to their various needs. Western National offers a wide range of fixed annuity products to help you find appropriate solutions to meet their needs including fixed annuity products, index-linked annuities and immediate annuities.

To determine if a Western National product might be a suitable and appropriate purchase for your customers, you must first determine suitability. The suitability process will require you to share and manage a great deal of information, while keeping track of your customers' individual goals and situations including their financial objectives, investment time horizon and overall needs. And keep in mind, determining suitability is not only a Western National requirement, it is a requirement under the laws of your state and other regulators as the case may be.

This section is intended to provide you with a general overview of suitability requirements and considerations. We trust you will find it helpful when marketing or selling Western National products. However, this information should not be construed as legal advice or guidance. Laws, rules and regulations related to suitability may change from time to time. The agency, broker or other marketing organizations you work for may have additional suitability requirements you must consider when recommending annuity products. It remains your responsibility to be knowledgeable of and current with all of the suitability obligations.