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The MERIT Monthly Newsletter Copy

The MERIT Monthly Newsletter Copy

Message from the Vice President

Addison Rosenbluth, CLTC

A May Reflection on What It Really Means to Run a BGA

As we move into May, I’ve been spending time reflecting on what it truly means to run a Brokerage General Agency in today’s environment.

For years, this industry has lived by a simple reality: we live by product, and we die by product. Hot rates, new carriers, better features — when the product cycle is strong, BGAs thrive. When it slows, the cracks show quickly.

But the more time I spend working directly with our agents, the more convinced I am that a BGA built only on product is vulnerable. Product matters — deeply — but product alone has never built sustainable practices.

A strong BGA should exist to strengthen the agent, not just place the case.

That belief is shaping how I think about MERIT’s role moving forward. Our focus is not simply to bring competitive products to the table — it’s to help you build a business that’s scalable, repeatable, and resilient regardless of what the product cycle looks like.

That’s why our commitment to you is expanding well beyond product access. Our goal is to actively support your growth through:

  • Technology that simplifies selling and case management
  • Sales concepts that help you create real client conversations
  • Process improvements that reduce friction and wasted time
  • Lead generation services designed for how agents actually work
  • Free marketing resources you can deploy immediately

We don’t measure our success by how many carriers we represent. We measure it by whether your business is stronger because MERIT is part of it.

This month — and moving forward — you’ll see more intention behind how we show up for you. Because in a business that too often lives and dies by product, we’re committed to being a platform you can actually build on.

The MERIT Monthly Newsletter Copy

Sincerely,

Addison Rosenbluth

Vice President

MERIT Insurance Services, LLC

Product the Month

MYGA-like Protection & S&P 500 Growth!

Meet the 5-Year Annuity that is tied to the S&P 500

✔︎ 7.75%
Guaranteed Cap

(Life of Contact)

linked to S&P 500 performance.

✔︎ 4%
Minimum Floor

Guarantee

protects the principal with no downside risk.

✔︎ 4%
Commission

To Agent

from an
A-rated carrier.

Sample Case Study

New Alternative vs. 5-Year MYGA

Premium: $100,000
New S&P 500 Cap (GTD for Term): 7.75%

Term: 5 Years
Assumed MYGA Rate: 5.00%

S&P 500
Performance
Assumed
S&P 500 Avg.
MYGA
Ending Value
New Product
Ending Value
Market Down/
Flat
0% $127,628 $120,000
Low/
Moderate Growth
6% $127,628 $132,565
S&P 500
10-year Avg
~10-11% $127,628 $145,300

Worst Case: $100,000 Premium $120,000 min. ending value

MERIT’s MYGA Hot Picks

Events

The MYGA Alternative Webinar

Join us for a special webinar featuring our Product of the Month.
An innovative, first-of-its-kind 5-Year MYGA Alternative.

Friday, May 8th

10 – 10:30 A.M

Let’s Get Social

The MERIT Monthly Newsletter Copy

We’re now on LinkedIn®!

Follow us on LinkedIn to join our growing community and stay up to date with the latest news, insights, and industry updates. See you there!

MERIT Insurance Services, LLC

639 Prospect Ave West Hartford, CT 06105
860-233-3626

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