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Impaired Risk Age Rated Immediate |
Impaired risk age
rated single premium immediate annuities are medically underwritten and can
increase client income payouts! A retirement planning advantage.
Did you
realize that poor health could actually be a benefit when purchasing an
immediate annuity?
Key Benefits
- The Annuity Program has teamed up with several insurance companies to distribute the best rated immediate annuity quotes
available in the market.
- 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.
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 insurance coverage your client can purchase.
- There are no charges or fees to get an impaired
risk quote and the standard rates will be applied if no rating is offered. So
basically getting an underwritten SPIA quote can only help!
Pricing -
Conditions which may merit review include
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- Multiple Sclerosis
- Muscular Dystrophy
- Paraplegia or Quadriplegia
- Parkinson's Disease
- ALS
- Alzheimer's
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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:
Feel free to call with any
questions 800-373-9697 |
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