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Flexible planning solutions include short-term annuities, terms as low as 2 months.

Everything you want in an annuity product with an A-(Excellent) rating!

Full support with your cases and planning needs.

Planning reports and annuity quotes within 24 hours.

Available in 49 states and the District of Columbia.

• Fully DRA compliant         

• Irrevocable and non-assignable

• Equal monthly payments       

• Actuarially sound         

• State can be named as beneficiary, as needed

• Ideal for Community Spouse planning   

• Non-qualified and qualified funds accepted       

• Short benefit term available*

• Changeable beneficiary designation

• Beneficiary can be made irrevocable if needed         

• Equal payments or balloon payments available       

• One-time option to convert balloon payment to equal payments

• Non-qualified and qualified funds accepted 

• Ideal for VA benefit planning with tax-deferred assets

1 “Congress created a ‘safe harbor’ pursuant to which, certain annuities are not considered resources for purposes of Medicaid eligibility.” Zahner v. SECRETARY PA. DEPT. OF HUMAN SERVICES, 802 F. 3d 497 - Court of Appeals, 3rd Circuit 2015

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2 North Dakota, Oregon, and Washington State have rules that limit the use of short-term annuities. Processing fees charged for terms less than 48 months

3 Not available in New York.

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