Address Probate and Legacy-Growth Challenges

Preserve more of what clients leave behind with a tax-efficient wealth-transfer tool. An advisory annuity allows assets to be passed through a death benefit, deferring the income-tax burden imposed on beneficences.

• Death benefits can be paid directly to beneficiaries instead of the estate, helping them avoid time-consuming probate.

• Clients can choose an enhanced death benefit for an additional cost, which helps maximize the amount of money they leave behind. View our advisory annuities for options and availability.

Continue the Contract to Benefit Spouses

Spousal continuation is another beneficial feature offered through our advisory annuity.

• When a married couple owns the annuity and one spouse passes away, the surviving spouse space as sole beneficiary can elect to continue the contract as the owner.

• As the new annuitant, the surviving spouse does not have to cash out the annuity death proceeds.

Manage Taxes with Trusts and Stretch Provisions

Trusts can be a great choice for your clients’ legacy needs. They are often designed to not only benefit individuals who receive income from the trust, but also to benefit the beneficiaries who inherit the assets from the trust.

• A tax-deferred annuity held within a trust is not subject to annual capital gains taxes, interest, or dividends, which allows for greater accumulation of potential earnings, increasing the possibility of leaving a larger legacy.

• Our advisory variable annuity allows your clients to choose among institutional-quality investments and gives them the flexibility to manage them without additional transaction costs.

Our nonqualified stretch provision is another way to provide a tax-advantaged legacy for your clients’ beneficiaries.

• The provision allows the beneficiaries’ payments to be spread out, reducing annual income-tax bills and decreasing the chance that the additional taxable income will put the recipient into a higher tax bracket.

• The money remaining in the annuity can continue to grow tax-deferred. The nonqualified stretch provision is not available on trust-owned annuities.

Simplify Charitable Legacies

If your client chooses to leave all or a part of his/her estate to a charitable organization, he/she simply names the organization as a beneficiary on the advisory annuity policy.

• The complexities of probate are avoided.

• The money is received tax-free by the organization.

Put the Power of Our Advisory Annuities to Work for Your Clients’ Legacy Needs

Our advisory annuities have features that can be used to address many of the concerns your clients may have about leaving a meaningful legacy.

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