100,000 Annuity Case, Need Help!

[dignitylmg]

Look at the MD 5 Plus with Allianz. A SPIA will pay out more initially, but if they have longevity on their side, the MD 5 Plus should work out well especially with the increasing payout.

Are they healthy? I know it's not medically underwritten, but do you think they'll live long lives? If not, write the SPIA. Either way, ask someone more experienced to split the case and help set it up right.

Are they healthy is an excellent question as there are FIAs that could include a death benfit and/or a doubling feature for nursing home benefits.

Many of the IMOs will walk you through the process, provide you with the quotes and may even have an experienced agent in the area that you are working, who may act as a mentor.

I personally use M&O Marketing out of Southfield, Michigan and known them for over 20 years. Their number is 800-228-5964 and I usually work with Ray (ext293) or Marti (ext370).

Ray & Marti have helped me work in multiple states with both small and large cases.