A diagnosed illness with a life expectancy of 24 months or less.

Anyone who owns a home, has dependent children, plans to start a family or could leave a spouse or family with debt.

(1) No cash value and (2) potential increasing premium.

Surrendering/trading your account value to an insurance company in return for lifetime income.

A contract owner's initial, or ongoing, investment in an annuity of "after-tax" money.

The ABR payouts comes directly from this.

This protects you family against the loss of your income in the event of your death, it also helps cover funeral and household expenses.

Guaranteed coverage for a specific period of time or to a specific age as long as premiums are paid.

It supercedes annuitization and allows you to maintain control of your account balance during account liquidation.

A US federal agency that insures deposits made into member banks and savings and loans up to $250,000 per person/per institution.

ABR 1

Policy features that are optional, often require additional premium, and may not be available in all states or to all ages.

This coverage allows you to adjust the face amount and/or premiums paid throughout the life of the policy.

Offers a declared fixed interest rate that is guaranteed for a specific period and guaranteed to never go below a specific percentage.

Name at least two financial products or services, offered by banks, that are not covered by the FDIC.

This LSW policy benefit must be in force for 2 years before access, and has a lifetime (per insured) maximum payout of $1,500,000.

They reduce a policies cash value and death benefit, and may result in a taxable event.

Variable, Fixed & Indexed

Offers an interest rate that's credited to (and locked into) your annuity contract that's also linked to specific market indices that you can choose on an annual basis.

Funds in an account that have not been taxed.

This rider is not available for issue after age 37, and has only a 61 day window of access every three years from age 25 thru age 40,

One is paid to an insurance company in return for a death benefit; the other is entrusted to an insurance company to place in a potential growth account.

IUL

Offers the quickest guaranteed income stream ranging from a specific period of time to your entire life after a one time deposit into an account.

Year in which participants in qualified retirement plans and owners of traditional individual retirement arrangements (IRAs) must begin to receive income.