RATED ANNUITY INCOME

Impaired risk age rated single premium immediate annuities are medically underwritten and can increase client income payouts! A retirement planning advantage. Did you realize that poor health could actually be a benefit when purchasing an immediate annuity?

Key Benefits

	Several top Insurance Companies and SPIAQuote.com have teamed up to distribute the best rated immediate annuity quotes available in the market.
	Clients that are in poor health and need as much income as possible may have their life expectancy shortened, which allows the insurance carrier to pay higher income due to the shortened life expectancy. For example we recently had a male age 79 rated to age 87. This increased his income payment from $10,312 to $14,809 that is 40% more income to spend or buy life insurance.
	For estate planning, the income from an impaired risk immediate annuity can be used to purchase life insurance. The higher the payout the more life insurance coverage your client can purchase.
	There are no charges or fees to get an impaired risk quote and the standard rates will be applied if no rating is offered. So basically getting an underwritten SPIA quote can only help!

Heart disease Diabetes Cancer Chronic Lung Disease Stroke Chronic conditions affecting the kidney, pancreas, or liver functions

Multiple Sclerosis Muscular Dystrophy Paraplegia or Quadriplegia Parkinson's Disease ALS Alzheimer's

We will need by fax email or mail the history of illness, including date of diagnosis, any changes in condition, other significant health conditions and pertinent past histories. Acceptable forms of medical information: Hospital discharge summaries for last 5 years Medial report from time of diagnosis Most recent medial report Attending physicians statement (APS) Feel free to call with any questions 800-373-9697