HERE's how it works: 

Why dividends matter: 

Over the last 30 years, dividends represent a large portion of the total return of the S & P 500 Index.1

The equity component of the dividend index provides exposure to companies paying high and sustainable dividends making them an attractive component of an investment portfolio.


We believe uncertainty in the market is an important topic for your clients, since they hear about it regularly.  At UMS we believe that when you have great resources in your hands, you can make the most of every appointment. As an IMO focused on serving independent agents, we provide all the backroom support you need, so you can focus on your clients. 

We'd love the opportunity to talk with you about a case you are working on and show you how we can help!
Contact our Annuity Team to learn more about this Fixed Index Annuity partnership: 800-524-1774 


Eye-Opening Article on Volatility

Powerful Research

Key Questions
to Ask Clients

1 Morningstar Direct, as of 6/30/19. Past performance is no guarantee of future results. It is not possible  to invest directly in an index. 

A fixed index annuity is intended for retirement and other long term needs. It is intended for a person who  has sufficient cash or other liquid assets for living expenses, and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. 

Income taxes are due upon withdrawal and if withdrawn before age 59 1/2, an additional 10% federal tax may apply. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment.

There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since they are already afforded tax-deferred status.

• Not a deposit • Not FDIC Insured • Not insured by any federal government agency • Not guaranteed by any bank or savings association • May go down in value

For Financial Professional Use Only - Not for use with the public. 

Designed for insurance financial professional use.

Underwriters Marketing Service

100 Century Parkway

Suite 240

Mt Laurel NJ 08054

Phone:  800-524-1774

Fax:       856-727-0600