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Underwritten Annuities / SPIA
Underwritten Annuities, what are they? Not so fast, say the term lifers. The only reason to have fast life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts fast life insurance . If you are married and your spouse works, you probably do not need fast life insurance, either, assuming your spouse makes enough to support himself or herself. Your Annuity client smokes and/or, has bad health....they have $500,000 to put into a Single Premium Immediate Annuity. Where do you go to get him/her the best pay out for their deposit. Let us underwrite your client to see if they qualify for the best pay out in the country for a SPIA by using the simple 15 question application attached to this site.How can you give so much more pay out that the others? We underwrite smokers and impaired risk annuitants giving them higher pay out than the normal company....why, because of their smoking habit and/or their higher mortality because of bad health. How do I find out if my client qualifies for the increased Annuity? To see if your client qualifies, Please go to the SPIA underwriting question form, fill it out as accurately as you can. In the additional health information page, tell us if your client has anything not requested in the questionnaire. Remember, we are looking for medical problems to qualify your client. SPIA (underwritten) Qualification Questions
Medical Exam Hints / Life / Disability / Long Term Care / SPIA Proposal Request Form
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