Annuities with Long Term Care (LTC) are another unique option for clients that are able to reposition a lump sum. They are popular because the underwriting is typically less stringent and they can be written at older ages, up to 85. Although liquid funds are usually used, there is a huge market to exchange old non-qualified annuities into these plans to take advantage of new tax laws and leverage for LTC. CPS Horizon can review existing annuity statements and design a plan for your older clients.
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