Many of your clients who originally purchased a deferred annuity find that they no longer need the annuity for retirement income purposes. Often, these clients intend to "leave it of the kids". Although a deferred annuity is a great vehicle to accumulate funds for retirement, it is not an efficient vehicle to transer wealth since it could be taxed twice at death.

Complete tool kit is below. (Compliments of John Hancock). Please remember that we will find the best carriers for both the life policy and the SPIA. And - this concept works great for other assets, too! (CDs, bonds, etc.)

Call Paul for full support.