What do the carrier rules say about this case?

Does this case trigger a carrier's own rules? They show what a carrier declines or sends for review.

1. 1.

   Open a new chat. In ChatGPT Work, type @ and pick Annuities Genius first.

   Copy

   Using Annuities Genius: first read the suitability rules of North American and Athene, without my client's details. Then apply them to this case. My client is 78 and lives in Florida. She has $250,000 of non-qualified money (money outside a retirement account), about 60% of her liquid assets. It would go into a fixed indexed annuity. Tell me what each carrier would decline or send for extra review and why. Quote each rule. List each carrier's documents with their links, and say which have no link. Don't guess which document a rule comes from. Don't say it's approved. Tell me what to check.

   Select the text and copy it.

   Athene's rules are very long. If your AI stops short, ask for one carrier at a time.

2. 2.

   Send net worth and spending, the two numbers both carriers test.

   Copy

   Her net worth is about $450,000 without her home. Her household spends about $4,000 a month.

   Select the text and copy it.

3. 3.

   Read it carrier by carrier. Each carrier's documents should be listed, some with no link.

   Decline: the carrier's rule says no. Extra review: it wants more information or papers.