Which carriers decline or review this case?

Your client's situation and goals come first. Carriers then add their own limits.

1. 1.

   Paste this in a new chat, set up as in part 1. It asks about every carrier that has rules on file.

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   Using Annuities Genius: which carriers with rules on file would decline this case or send it for extra review? My client is 68 and single. She lives in Arizona and has $275,000 in a Traditional IRA. She wants income for life from age 70. Her net worth is about $650,000 with the IRA. After this move she keeps about $250,000 in savings. She earns $3,200 a month and spends $2,800. Group the carriers: would decline, would send for extra review, nothing triggered. Quote each rule that matters. 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 approved. Tell me what to check.

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2. 2.

   Read the answer in three groups: decline, extra review, and nothing triggered.

   Only some carriers have rules on file. A carrier without rules has not been researched, which does not clear the case.

3. 3.

   Keep the carriers you are appointed with (contracted to sell for). Ask for their full rules by name.

   This list shows only decline and review rules. A search by name gives the full text, with definitions.