PRODUCTS
INNOVATIVE TOOLS FOR UNIQUE SOLUTIONS
Well-known in the industry for our Medicaid Compliant Annuities, we provide long-term care products beyond MCAs to help seniors in a variety of situations.
MEDICAID COMPLIANT
ANNUITY
A Medicaid Compliant Annuity (MCA) a powerful spend-down tool used in crisis Medicaid planning. Designed to preserve your client’s assets, an MCA converts their excess countable assets into an income stream to accelerate their eligibility for Medicaid benefits.
LONG-TERM CARE
INSURANCE
Long-Term Care Insurance (LTCI) is the ultimate pre-planning tool for healthy clients looking to secure their future finances and set aside funds for a long-term care stay. LTCI provides coverage in the event a person requires professional care and offers peace of mind that their hard-earned assets will be protected.
FLEXIBLE PREMIUM
DEFERRED ANNUITY
Like a Single Premium Deferred Annuity, a Flexible Premium Deferred Annuity provides a safe investment vehicle for your clients. This product offers multiple premium payment options and allows seniors to reinvest their annual RMDs.
SINGLE PREMIUM
DEFERRED ANNUITY
A Tax-Deferred Annuity is a great way for your clients who are in or nearing retirement to protect funds for their future. Our Single Premium Deferred Annuities offer competitive rates of return and can be purchased with as little as $5,000.
IRREVOCABLE FUNERAL
EXPENSE TRUST
A Funeral Expense Trust consists of a small whole life insurance policy that is irrevocably assigned to a funeral trust. Upon the death of the insured, the funds can be used to pay for final expenses.
WHOLE LIFE
INSURANCE
A Whole Life Insurance Policy stays with your client through their death. Since a small policy is exempt for Medicaid purposes, it serves as a quick spend-down tool.
REFUSAL
LETTERS
Refusal letters prove an annuity’s inability to be bought or sold, which supports its Medicaid compliance. Some states require this additional documentation for MCAs.
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