Medically Underwritten SPIA

Medically Underwritten Immediate Annuity

IMPAIRED RISK - AGE RATED


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?

Designed for people:

  • Who are concerned about outliving their assets
  • Who need guaranteed income they can’t outlive
  • Who are less healthy and could benefit from a larger monthly income payment than they would likely receive from a traditional non-medically underwritten immediate annuity
  • Who may need care and whose age and/or health preclude them from long term care insurance coverage options

Not designed for people:

  • Who are in good health and have other lifetime income options that may provide a better income alternative
  • Who do not need a guaranteed lifetime stream of income
  • Who do not want to risk losing their remaining premium if they die before payouts exceed the initial premium


Pricing - Conditions which may merit review include:

  • 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 

Forms of medical information:

  • Hospital discharge summaries for last 5 years | Medical report from time of diagnosis | Most recent medical report | Attending physicians statement (APS) - 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.

Request Information On The Rated SPIA

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FSD Financial Services Fixed Annuities and Life

5530 Corbin Ave, Suite 101, Tarzana, CA 91356, US

(800) 373-6973 - (818) 881-6970