| Client’s Concerns |
1. Paying for LTC in a tax efficient manner.
2. Build cash value.
|
1. Paying for LTC in a tax efficient manner.
2. Build cash value.
|
1. Paying for LTC in a tax efficient manner.
2. Build cash value.
|
| Niches |
1. Traditional Fixed Annuity
2. Has cash value and LTC bucket that grows on a daily basis.
3. Meets Pension Protection Act regulations.
4. Tax free for LTC cost. (NQ only) 7 day wait
5. Lifetime Rider Option
6. Joint Options available
|
1. Traditional (NQ) Annuity
2. Has Cash Value
3. 3,6 or 9 years options for continuation benefit
4. Meets Pension Protection Act standards
5. Tax Free LTC Options (90 day wait)
6. Indemnity Option
7. Joint Options Available
|
1. Traditional (NQ) Annuity
2. Has Cash Value
3. 3, 6 or 9 years options for continuation benefit
4. Meets Pension Protection Act standards
5. Tax Free LTC Options (90 day wait)
6. Indemnity Option
7. Joint Options Available
8. Underwriting done in first year only.
|
| Underwriting and |
Application, Hippa Form and Cover pageis faxed.
|
Application, Hippa Form and Cover page is faxed.
|
Application, Hippa Form and Cover form is faxed.
|
| Submission |
Phone interview completed with client in office. Non-Bank reps -2 day wait for phone interview MIB, Script check |
Phone interview completed with client in office. MIB, Script check |
Phone interview completed with client in office. Non-Bank reps - 2 day wait for phone interview. Script check. |
Annuity Based LTC
