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Medicaid Compliant Annuity Planning for a married couple.

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Medicaid Compliant Annuity Planning for an individual.

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Tax-Deferred Annuities

Guaranteed Yield Tax-Deferred Annuities

We always advise protecting and preserving the gifted portion of a Gifting/Medicaid Compliant Annuity Plan in the event that any potion of the gift should need to be returned to the Medicaid applicant.  As a means to preserve the gift a Single Premium Tax-Deferred Annuity is a simple and convenient solution, in addition to providing your client with flexibility, safety, and attractive yields.  Give your clients peace of mind by suggesting they place their gift into Single Premium Tax-Deferred Annuity.

Guaranteed Income

Only an annuity can guarantee an income that cannot be outlived. Only an insurance company can offer lifetime annuities.

Flexibility & Liquidity

An individual can begin a tax-deferred annuity with as little as $10,000. He or she will always have access to all the earned interest. Additionally, he or she may reclaim 15% of the premiums paid in one penalty-free withdrawal each year after the first anniversary.

Safety

The annuity is backed by all of the insurance company’s assets. An individual will never earn less than the guaranteed interest rate stated in the policy throughout the specified term of the annuity.

NOTE:  Effective December 30th, 2009, the 12 month Tax-Deferred Annuity plans will be temporarily unavailable due to market conditions.

 plan term
Plan Term Current Annual Percentage Yield
1 Year Temporarily Unavailable
2 Year 3.00%
3 Year 3.25%
5 Year 4.00%
8 Year 4.25%
10 Year 5.00%

 

Single Premium Guaranteed Yield Short-Term Deferred Annuities

  • 1, 2 and 3 year plans provide flexibility and attractive yields
  • Guaranteed issue to 100 years of age
  • Tax-qualified and non-qualified plans
  • Interest rates are guaranteed for the specified term of the annuity
  • Minimum single premium - $10,000
  • Maximum single premium - $500,000
  • Free withdrawals of earned interest
  • 15% penalty-free withdrawal of principal each year after the first anniversary

Single Premium Multi-Year Guaranteed Yield Long-Term Deferred Annuities

  • 5, 8 and 10 year plans provide flexibility with the highest yields
  • Guaranteed issue to 100 years of age
  • Tax-qualified and non-qualified plans
  • Interest rates are guaranteed for the specified term of the annuity
  • Minimum single premium - $10,000
  • Maximum single premium - $5,000,000
  • Free withdrawals of earned interest
  • 15% penalty-free withdrawal of principal each year after the first anniversary
  • No penalties or fees for annuitization

* Rates effective 12/30/2009 - subject to change.  Underwritten by Employees Life Company (Mutual). Policy Forms WF105, WF108, WF110. Not available in all states.