A strategy that offers clients an elegant solution to potential future reductions in cap and par rates.

Find the perfect balance in annuities with a solution that minimizes volatility, locks in cap rates, and offers steady growth—no rollercoaster ride required.

Delivering superior consumer value and greater compensation than traditional accumulation designs.

How to effectively integrate permanent cash value life insurance products into a retirement plan.

Demonstrating how taxes could make an annuity-based product a superior ABLTC solution funded by an existing annuity.

Helping advisors and clients make effective planning decisions around state-level LTC legislation.