Annuity Solutions We Help You Offer
Multi-Year Guaranteed Annuities (MYGA)
For clients seeking safety and predictability. A MYGA locks in a guaranteed interest rate for a set term, making it ideal for conservative savers who want CD-like security with tax-deferred growth and typically more competitive rates.
Fixed Indexed Annuities (FIA)
For clients who want growth potential without market risk. FIAs credit interest based on the performance of a market index while protecting principal from downside loss. Within the FIA family, we can help you tailor solutions for three distinct goals:
Accumulation — Maximize tax-deferred growth potential for clients still building retirement assets, with zero exposure to market losses.
Lifetime Income Riders — Turn savings into a guaranteed paycheck for life. Ideal for clients worried about outliving their money, with income that can be planned years in advance.
Enhanced Death Benefit Riders — For clients focused on legacy. These riders can grow the amount passed to beneficiaries, offering a wealth-transfer solution for those who may not qualify for or want traditional life insurance.
Deferred Income Annuities (DIA)
For clients planning income for later. A DIA lets clients lock in a future income stream — often at a higher payout for waiting — making it a powerful tool for filling income gaps in later retirement years or hedging longevity risk.
Long-Term Care Annuities
For clients concerned about the cost of care. These hybrid solutions combine tax-deferred growth with leveraged benefits for qualifying long-term care expenses — and if care is never needed, the value remains an asset for the client or their beneficiaries. A strong fit for clients who can’t qualify for, or don’t want, standalone LTC insurance.
