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LTC FIXED ANNUITY INFORMATION

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    It's called AnnuiCare® From GILICO

    AnnuiCare® is a tax-deferred annuity with tax qualified long-term care insurance benefits. AnnuiCare® allows the policyowner to have triple the annuity value for Qualified Long-Term Care expenses. “Qualified Long-Term Care Expenses” refer to specific expenses, defined by law, which are explained in the Outline of Coverage given to each applicant.

     

    The Annuity

    • The policyowner establishes the initial long-term care insurance benefits by depositing or transferring assets into a deferred annuity contract.
    • The long-term care insurance benefits are determined by the value of the annuity.
    • Premiums for long-term care coverage are paid by automatic monthly withdrawals from the annuity.
    • Caution: Penalties apply if the policy owner is less than 59-1/2 years old. Due to these penalties, we will not accept qualified funds for policy owners under the age of 59-1/2.
    • AnnuiCare® 5, AnnuiCare® 7, and AnnuiCare® 10 are Flexible Premium Annuities featuring a non-guaranteed interest rate.

     

    The Long-Term Care Riders

    The Long-term Care Benefits Riders each match the Accumulation Value of the annuity when benefits begin so that the client may triple the funds available for Qualified Long-term Care expenses.

    These riders pay for Benefits to cover Qualified Long-Term Care Services for the following:

    • Home Health Care
    • Care Planning
    • Caregiver Training
    • Homemaker Services
    • Hospice Services
    • Maintenance or Personal Care Services
    • Respite Care
    • Assisted Living Facility Care
    • Alternative Care Services
    • Nursing Home Care
    • Adult Day Care (50% of Daily Maximum)

     

    Benefits

    • Safety – Your AnnuiCare® value is free from market risks.
    • Liquidity – Funds can be accessed easily and quickly with no or low withdrawal penalties.
    • Tax Advantaged Growth – Interest grows on a tax-deferred basis, which allows your funds to grow faster than those that are taxed annually.
    • Death Benefit – Benefit(s) is paid directly to your named beneficiaries, by-passing probate.
    • Long-term Care Benefits – These benefits cover home health care, nursing home care, and adult day care. Benefits increase as your annuity value increases.

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    GILICO LTC MYGA Brochures

    Annuicare-Agent-Guide (pdf)Download
    Annuicare-facts-PrdctAtAGlnce (pdf)Download

    FSD Financial & Insurance Services 

    CA Insurance License #0B67385 - 

    NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, GA, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, UT, VA, WA, WI


    Copyright © 2022 FSD Financial Services - All Rights Reserved.

    Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

    Website by Jeff Affronti 

    FOR AGENT USE ONLY - CA Insurance License #0B67385

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