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  • Home
  • Deferred Annuity
    • Request A MYGA Quote
    • Deferred Annuity Quotes
    • Split Annuity Quote
    • Calculator MYGA Compound
    • Savings Comparison Quote
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • QLAC Illustrations
    • SPIA With Liquidity
    • Types Of SPIA
    • SPIA Commission
    • Certain Only Return Rate
    • Installment Refund Period
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    • Single Primum IUL Info
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    • FSD-Spreads-Downloads
    • Specimen Contracts
    • News Keep Aware Of
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Single Premium Immediate Annuity

Request A SPIA Quote

IMMEDIATE ANNUITY BASIC OPTIONS

SINGLE LIFE

PERIOD CERTAIN ONLY

SINGLE LIFE

Single Lifetime SPIA

A Single Life Immediate Annuity guarantees you will never outlive your income. The SPIA provides a regular, guaranteed income payments for life. In retirement planning the SPIA is the only product that guarantees you will never outlive your retirement income.


Life ONLY

The income payments will cease upon death.


Life With Period Certain

This option provides a guaranteed income for life plus if death occurs prior to the end of a specified period (5 to 50 years) the payments will be transferred to the beneficiary for the remainder of that period.


Life With Refund Guarantee

This option provides a guaranteed income for life and also guarantees the total of the payments received will never be less than the total of the premium paid to purchase this option.


Key Benefits

  • Longevity protection - Guaranteed an income that can not be outlived.
  • Stable level income - The guaranteed payment will never decrease.
  • Inflation protection - A single life annuity has the option to guarantee increases annually.
  • Direct deposit - Payment can be sent directly to a bank account.

JOINT LIFE

PERIOD CERTAIN ONLY

SINGLE LIFE

Joint and Survivor SPIA

This option provides a guaranteed income for as long as either joint annuitant is alive. When either annuitant dies, payments continue to the survivor and can be a partial percentage, such as  two-thirds, or a full 100% of the payments received when both were living. If you select the Joint and Survivor Annuity option, you may also add a Period Certain option of 5 to 30 years. There are a few refund options available for joint lives.


Joint Life ONLY

The income payments will cease after death of both annuitants. As long as one is alive payments continue.


Joint Life With Period Certain

This option provides a guaranteed income for both lives plus if both die prior to the end of a specified period (5 to 50 years) the payments, in the same amount will be transferred to a named beneficiary for the remainder of that specified period.


Joint Life With Refund

This option provides a guaranteed income for both lives and also guarantees the total of the payments received will never be less than the total of the premium paid to purchase this retirement income option. If both annuitants die before receiving at least the premium paid to purchase this retirement income option,  your named beneficiary will continue to receive payments until the full amount is repaid.


PERIOD CERTAIN ONLY

PERIOD CERTAIN ONLY

Commutation & Liquidity

Guaranteed Period Certain Only SPIA

This option provides a guaranteed income for a specified time period of (5 to 30 years). If death occurs prior to the end of the chosen period, the beneficiary will continue to receive payments for the remainder of the specified period.


A great way to bridge to ideal Social Security age.




Key Benefits

  • Versatility - Gives the ability to receive income for a very specific period. (For example 5 years and 8 month)
  • Automatic payments - Pay bills, life insurance, child support and never be late or miss a payment.
  • Direct deposit - Payment can be sent directly to a bank account. 
  • Great for laddering.

Commutation & Liquidity

Qualified Longevity Annuity Contract

Commutation & Liquidity

Access To A SPIA

 Guaranteed income – with access to your money. People like to have control of their money. Receiving guaranteed, reliable income during retirement is reassuring, but what if something happens and you need immediate access to your money? 


  • Commuted Value refers to the present day value of an annuity after annuity payouts have begun.  
  • Full surrender of the remaining  balance in your annuity 
  • Advance Withdrawal Benefit A withdrawal will reduce the amount of annuity income payment for the  remainder of the period certain. 
  • Surrender charges may apply on the additional access. 


Get a Liquid SPIA Quote

Deferred Start

Qualified Longevity Annuity Contract

Qualified Longevity Annuity Contract

Deferred Start Immediate (DIA)

Sometimes clients want to start a payment stream at a certain time in the future.  An SPIA can be purchased with a guaranteed payment stream that starts as far out as perhaps 40 years.  


This can be a valuable planning tool where a 60 year old client may want $1,000 per month for life starting at his 75th birthday.  An SPIA can guarantee both the premium and benefit. 



Request a DIA quote

Qualified Longevity Annuity Contract

Qualified Longevity Annuity Contract

Qualified Longevity Annuity Contract

 RMD Exemption: QLACs allow for a deferral of Required Minimum Distributions (RMDs) from qualified retirement accounts until the owner reaches age 85. The amount invested in a QLAC is not included in the RMD calculation, thus potentially reducing the annual RMD amount needed from other retirement funds.

Payout Options: QLACs offer various payout options, including life-only or life with cash refund, and can be structured for single or joint life (with a spouse). The payments must begin no later than the annuitant's 85th birthday.

Request a QLAC Quote

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.

FSD AGENTS - Request Information On The Rated SPIA

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FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 

NON RESIDENT LICENSEs: AZ, CO, CT, FL, HI, ID, IL, IA, LA, MD, MI, NC, NV, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI


No information on this site is for use in New York or Puerto Rico.


Copyright © 2024 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change at anytime

state variations in surrender charges and interest rates - Be Aware


Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers | Website by Jeff Affronti 

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