Call 800-373-9697 or Click and see if you are getting the highest SPIA payments!

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?
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

Available Death Benefit
An early death benefit will be paid if the annuitant dies within six months from the contract date. An optional enhanced death benefit is available if the owner selects life income with a protected period at issue.

Available Early Death Benefit
An early death benefit will be paid if the annuitant dies within six months from the contract date. The early death benefit is equal to the single premium multiplied by the applicable death benefit percentage (as indicated in the table in the brochure), less all monthly income paid.

Optional Enhanced Death Benefit
The owner can select life income with a protected period of one to five years at issue and receive an enhanced death benefit. If the annuitant dies within the protected period, the enhanced death benefit is the greater of the minimum benefit amount, less monthly income received, and the early death benefit. The minimum benefit amount is the sum of the monthly income payments for the number of months in the selected protected period, excluding any additional prorated amount included in the first monthly payment.

Heart disease



Chronic Lung Disease


Chronic conditions affecting the kidney, pancreas, or liver functions

Multiple Sclerosis

Muscular Dystrophy

Paraplegia or Quadriplegia

Parkinson's Disease



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:

  • HIPAA Forms

  • 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

If you would you like more information fill out below or you can request a quote here?



Contact Information
Feel free to contact us for personalized immediate annuity (SPIA) service.

Telephone - Live quotes
Postal address
5530 Corbin Avenue, Suite 101 - Tarzana, CA 91356
Electronic mail
Customer Support:
Licensed in:
Jeff Affronti agent of record.
Looking for information on an annuity?
California Insurance License Number 0B91910 and 0B67385 is a DBA of FSD Financial Services
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Last modified: 05/08/18