"What if I need care?"

A few annuities have a long-term care rider. Some income riders double the income after a care trigger.

1. 1.

   Paste the case and send it. It runs two or more quotes, which spend credits.

   Copy

   Using Annuities Genius: my client is a 58-year-old man in Texas with $150,000 of non-qualified (after-tax) money. He worries about paying for care. I'm an independent agent paid by commission. First find fixed indexed annuities (FIAs) that have a long-term care rider. Then run lifetime income quotes with enhanced payments, single life, income starting at 65. For each, show what triggers the higher income and how much higher it gets. Also show the waiting years and the states where it is not available. Say plainly which are care riders and which are income doublers. Flag any fee-based (Advisory) product. Say what you cannot tell me about care benefits.

   Select the text and copy it.

   Use only products available through an authorized channel. Choose by client needs, not compensation.

2. 2.

   Read the care rider list. It may hold only a few products. Open the text of each rider.

   Riders on the list can differ. One may pay part of the account value over 5 years and end other benefits.

3. 3.

   For each doubler note the trigger, the higher income, the waiting years and the states where it is unavailable.

   A doubler is not a dedicated long-term care rider. Your AI works out the doubled income itself. It is not an Annuities Genius figure.