This is a Tax‐Deferred Annuities with LTC Riders

Interest Rate:

3.75% For 8 Years

Guaranteed Period: Guaranteed Years 1 - 8
Minimum Guarantee:


Based on the 5 Year Constant Maturity Treasury (CMT) Rate reported by the Federal Reserve as of the last business day of the prior year, minus 1.25%, and rounded to the nearest 1/20th of one percent. Minimum will never be less than 1% or more the 3%. This is in compliance with the NAIC Model Regulations.
Surrender Charges: 8 Years
Adjustment and
8, 7, 7, 6, 5, 4, 3, 2, 0%
8, 7, 6. 5, 6, 5, 4, 3, 2, 0% FL, IL, UT Only
Minimum Deposit: $36,500  NonQualified
$50,000  Qualified (Must be at least age 59 ˝)
Issue Age: -79
States approved in: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY
Free Withdrawal: 100% of Accumulated Interest ‐ Minimum interest payment ‐ $100
Each $1 withdrawn reduces the LTC benefit by $3
Death Benefits: Full Death Benefit
LTC Benefit: 3 Times the Annuity Value
LTC Benefit Period: A minimum of six years – The Daily Maximum Benefit and depletion of the bucket of funds determines the benefit period.
LTC Benefits:


Home Health Care, Homemaker Services, Hospice Services, Personal Care Services, Assisted Living Facility Care, Alternative Care Services, Nursing Home Care, Respite Care,
Adult Day Care at 50% of Daily Maximum (Includes Foster Care in OR)
LTC Benefits Triggers:


The insured must be certified by a Licensed Health Care Practitioner as: Being unable to perform, without substantial assistance, at least 2 of 6 Activities of Daily Living for a
period of at least 90 days, or having a severe cognitive impairment, such as Alzheimer’s Disease.
Maximum Daily Benefit: Annuity Value divided by 730 days (2 years) Example: $73,000 divided by 730 = $100 Daily Maximum Benefit
LTC Premium: % of Annuity Value based on the policyholder's age at issue.
Approximately 1/3 the cost of traditional LTC insurance.
LTC Premium is deducted from the annuity monthly
LTC Type Tax Qualified LTC Plan Qualified LTC expenses are reimbursed after completion of the 90 day Elimination Period. / Not a Partnership LTC Plan
Underwriting No Parameds or Medical Records ordered / Ages 0-69 Telephone Interview Ages 70-85 Face to Face Interview / Most Decisions within 3 Business Days of Interview
Request An Illustration:  Get A Quote
Commission: 3.00% 0-79
0.80% Additional Funds Year 2-5

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