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Medicaid Compliant AnnuitiesA Medicaid Compliant Annuity is a powerful tool used in crisis Medicaid planning. It converts an individual’s excess countable assets into an income stream in order to accelerate eligibility for benefits.
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VA
ANNUITIESA VA Annuity is a product designed for use in crisis VA Aid & Attendance planning. The annuity contains flexible provisions that allow a claimant to convert excess assets into income while keeping future planning options open. -
TAX-DEFERRED ANNUITYBeyond planning for Medicaid, we offer tax-deferred annuities as a strategic retirement savings tool for your clients. These annuities offer competitive return rates with cash value that is always accessible.
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IRREVOCABLE FUNERAL EXPENSE TRUSTSPurchasing an irrevocable funeral expense trust is a quick way to spend-down excess countable assets for Medicaid or VA. The product consists of a small whole life insurance policy that is irrevocably assigned to a funeral trust.
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WHOLE LIFE INSURANCE POLICYThis small life insurance policy is guaranteed-issue up to age 99. So long as the face value is below the state-specific limitation, the policy is exempt for Medicaid purposes.
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ANNUITY TO FUND A PERSONAL SERVICES CONTRACTPSKs are a great way to accelerate eligibility for benefits, however they can sometimes cause problems. Using a Single Premium Immediate Annuity in conjunction with the PSK can help avoid these issues.
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ITEMIZED LISTS OF GOODS AND SERVICESThis product outlines all goods and services an individual wants for his or her funeral. Some states may require this list to accompany an irrevocable funeral expense trust.
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REFUSAL
LETTERSRefusal letters are letters from secondary market buyers that indicate an annuity’s inability to be bought or sold. These letters help solidify an annuity’s Medicaid compliance, and may be required in some states when purchasing an MCA. -
LONG-TERM CARE INSURANCELong-term care insurance is the best way to pre-plan for long-term care. We offer hybrid policies that also contain a death benefit should the insured never require long-term care.
