Products

We are Your Go-To Company

Preserving your client’s assets in the face of a nursing home stay is our main goal.  Using the products listed below, we work with you to develop a customized solution for seniors facing this financial burden.

Medicaid Compliant Annuity
Medicaid Compliant Annuity
A Medicaid Compliant Annuity is a powerful tool used in crisis Medicaid planning. It converts an applicant’s excess countable assets into an income stream in order to accelerate eligibility for benefits.
TDAs
TAX-DEFERRED ANNUITY
Beyond 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.
IRREVOCABLE FUNERAL EXPENSE TRUST
Purchasing an Irrevocable Funeral Expense Trust is a quick way to spend-down excess countable assets for Medicaid. The product consists of a small whole life insurance policy that is irrevocably assigned to a funeral trust.
WHOLE LIFE INSURANCE
A small whole life insurance policy is exempt for Medicaid or VA purposes. Our product is guaranteed-issue and can help your client quickly spend-down some excess assets.
LONG-TERM CARE INSURANCE
Long-term care insurance is the best way to pre-plan for long-term care. It allows your client to preserve their assets and have security in retirement.
ANNUITY TO FUND A PERSONAL SERVICES CONTRACT
PSKs are a great way to accelerate eligibility for benefits; however, they can sometimes cause problems. Using a Single Premium Immediate Annuity in conjunction the PSK can help avoid these issues.
REFUSAL
LETTERS
Refusal 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.