Products

Innovative Tools for Every Case

Preserving your client’s assets in the face of a long-term care stay is our main goal. We work with you to use the products listed below and develop customized solutions for seniors facing this financial burden.

Medicaid Compliant Annuity

A Medicaid Compliant Annuity is a powerful spend-down tool that converts excess countable assets into an income stream to accelerate eligibility for Medicaid.

Traditional Long-Term Care Insurance

Traditional LTCI allows your client to set aside funds for future care costs and offers affordable premiums, inflation riders, and state partnership protection.

Hybrid Long-Term Care Insurance

Hybrid LTCI provides financial security for clients who are preparing for future care costs and offers tax-deferred growth and a guaranteed death benefit.

Irrevocable Funeral Expense Trust

An Irrevocable Funeral Expense Trust allows your clients to set aside funds for end-of-life expenses, such as funeral and burial services.

Tax-Deferred Annuity

A Tax-Deferred Annuity is a strategic tool for planning ahead and saving for retirement. It offers competitive rates of return and cash value that is always accessible.

Whole Life Insurance

A Whole Life Insurance Policy is a guaranteed-issue life insurance policy that stays with the owner through death. A small policy is exempt from Medicaid.

Annuity to Fund a PSK

Using an annuity to fund a Personal Services Contract is an effective crisis planning tool to help clients in Florida avoid potential risks with PSKs.

Refusal Letters

Refusal Letters indicate an annuity cannot be bought or sold. They help solidify an annuity’s Medicaid compliance and may be required when purchasing an MCA.