Income annuities explainedImpaired risk age rated immediate annuities are medically underwritten and can increase client income payouts! A retirement planning advantage.
Did you realize that a client’s poor health could actually be a benefit?
Impaired risk rated age single premium immediate annuities (SPIA's)
FSD and several top rated insurance companies have teamed up to distribute the best rated immediate annuity quotes available in the market. (PDF Format)
  • Clients that are in poor health and need as much income as possible may have their life expectancy shortened, which allows the insurance carrier to pay higher income due to the shortened life expectancy. For example, we recently had a male age 79 rated to age 87. This increased his income payment from $10,312 to $14,809 that is 40% more income to spend or buy life insurance.
  • For estate planning, the income from an impaired risk immediate annuity can be used to purchase life insurance. The higher the payout the more life coverage your client can purchase.

Conditions which may merit review include

  • Heart disease

  • Diabetes

  • Cancer

  • Chronic Lung Disease

  • Stroke

  • Chronic conditions affecting the kidney, pancreas, or liver functions
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paraplegia or Quadriplegia
  • Parkinson's Disease
  • ALS
  • Alzheimer's

To receive a quote we need the following information:

Client name: 
Date of Birth:
Sex: Male Female
State:
Deposit Amount:
Your name:
Your email:
Your phone:

We will need by fax email or mail the history of illness, including date of diagnosis, any changes in condition, other significant health conditions and pertinent past histories.
Acceptable forms of medical information:
Hospital discharge summaries for last 5 years
Medical report from time of diagnosis
Most recent medical report
Attending physicians statement (APS)

Feel free to call with any questions 800-373-9697

 

#1 Concern
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