A Medicaid Compliant Annuity (MCA) converts your client’s excess countable assets into an income stream to accelerate eligibility for benefits. An MCA is a powerful tool used in crisis Medicaid planning.
The best way to pre-plan for a nursing home stay is to purchase a Long-Term Care Insurance policy. We offer both traditional and hybrid policies that can be tailored to fit your client’s needs.
A Tax-Deferred Annuity is a great way for your retirement age clients to protect funds for their future. Our Single Premium Deferred Annuity provides competitive rates of return and 15% penalty-free withdrawals.
Similar to our Single Premium Deferred Annuity, a Flexible Premium Deferred Annuity provides a safe investment vehicle for your clients. This product provides additional flexibility in their premium payment options and is great way to reinvest RMDs.
This policy consists of a simple, small whole life insurance policy that is irrevocably assigned to a funeral trust. It allows certain funds to be protected for final expenses.
A small whole life insurance policy is exempt for Medicaid purposes. This policy can help your client quickly spend-down some excess assets.
Refusal letters prove an annuity’s inability to be bought or sold. These letters support an annuity’s Medicaid compliance, and may be required when purchasing an MCA.