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As an annuity owner, you anticipate that your current contract is efficiently and effectively meeting your long term financial goals. However, as time elapses and objectives shift, you may wonder if the product you have is still the best solution for your needs.

As specialists in Annuity Contracts, we are able to help individuals nationwide with these challenges. Our approach is based on The Comprehensive Annuity Review and Evaluation Service™—a professional process designed to educate contract holders on their products and features, employing analytical tools developed and managed by our nationally‐recognized team of annuity experts.

Long-term care protection

As we prepare for retirement, one of the key areas to consider is the potential need for long-term care. This refers to a range of medical and personal services that provide ongoing care for people who have lost the ability to live independently. Perhaps you know someone or have had a personal experience with a loved one who needed extended health care. How you prepare for that possibility directly impacts the security of your entire portfolio, and can pose one of the greatest threats to your retirement income security.

Advances in medicine, technology and health awareness have allowed us to live longer. However, with greater longevity comes the risk of eventually needing some type of extended health care.  As health care costs continue to rise, more and more people are wisely deciding to assign the risk of needing long term care (and the financial impact that comes along with it) to an insurance company through a long-term care insurance policy. These policies are individually tailored to your particular situation and designed to help cover the costs of long term care while protecting your assets in the future.

Disability protection

While we spend a great deal of time working to succeed in our careers and businesses, few of us think about ensuring that we have a safety net to fall back on should we become disabled. A disability can have a dramatic impact on your lifestyle, your business—even your retirement.

From covering loan payments to keeping pace with business and living expenses, our customized disability insurance programs can effectively replace a portion of your earned income in the event of an accident or illness. To ensure that your coverage is tailored to your specific requirements, we work closely with you to incorporate appropriate features such as:

· Cost of living options to help your benefits keep up with inflation

· Choice of payment options, waiting periods, benefit periods, and monthly benefit amounts

· Riders that can help you customize coverage to accommodate specific needs and objectives

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