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Policy Matters

Second Quarter 2020


  • LLIS can provide you and your clients with the Internal Rate of Return from an income annuity. All we need is:
    • Annuity Type: Single or Joint
    • Age
    • Premium they’d like to invest in the annuity
  • Insurers, like many vendors, are working with policyholders for leniency when it comes to premium payments with extended grace periods and adjusting the frequency of premium payments.
  • The retirement landscape in the United States is ever-changing. People are living longer, working longer, and needing income longer. On average, more than 10,000 baby boomers are turning 65 each day and trying to plan financially for their golden years. And younger adults are looking for ways to protect assets while enjoying potential upsides in the market.

    To signify the prominent need for increased awareness and understanding of annuities, the Coalition for Annuity Awareness declared June as National Annuity Awareness Month. These powerful solutions have evolved significantly in the past 30 years; annuities have become a staple in retirement plans for adults of all ages. In addition to being the only financial product that pays income for life, annuities are beneficial for addressing other retirement challenges like long term care, inflation, and legacy planning.
  • 71% of Americans would consider annuities to establish predictable income in retirement as a vehicle to protect inheritances or as a way to protect money for health and chronic care expenses (The Phoenix Companies study); however 53% are not familiar with annuities.
  • Wherever your clients fall on this chart, we can help.


Term Life Insurance | Low-Load Universal Life (Individual & Survivorship) | No Lapse Guaranteed Univeral Life (Individual & Survivorship) | Long Term Care Insurance | Disability Insurance | Critical Care Insurance | Low-Load Variable Annuity | Immediate and Fixed Annuities | Low-Load Variable Universal Life | Hybrid Life/LTCi | Hybrid Annuity/LTCi

(We recommend low-load permanent life insurance and annuities when possible)

(Not all policy types available in all states)

For a list of current providers, visit the Advisor Tools section of our website and click on "Insurance Companies We Work With".

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