• 50% Increase in Payments for Nursing Home Confinement:
  • ​10% or 20% Payment Increase for Certain Medical conditions:
  • 3.00% Inflation Protection:​
  • Guaranteed Minimum Death Benefit:
  • Survivor Continuation Option:

**Additional premium or a lower payment will result:

50% Increase in Payments for Nursing Home Confinement:

  • The policy owner may choose an option to enhance income payments by 50 percent each year for five years if the annuitant becomes confined to a nursing home. This increase will go into effect after the first two years the policy has been in force, and the annuitant has been confined to a nursing home for 90 consecutive days. At the end of the five-year period, the payments will return to the initial payment amount. If the Inflation Protection option is selected, the yearly 3 percent increase will continue throughout nursing home confinement. This increased payment will end at death. This option is not available if the Survivor Continuation option, described below, is selected.

10% or 20% Payment Increase for Certain Medical Conditions:

  • Income payments may be increased by 10 or 20 percent, based on certain health conditions. These benefits are referred to as 10 percent Payment Enhancement Risk Classes (PERC®) and 20 percent PERC®. In order to qualify for this benefit, the policy owner will be asked to complete additional questions on the application, and provide medical records. There is no additional cost for this option.

3.00% Inflation Protection:

  • The policy owner may select an option that will help income payments keep pace with inflation. Under this provision, the total income payments will increase by 3 percent each policy year. This 3 percent increase goes into effect 12 months after the first income payment.

Guaranteed Minimum Death Benefit:

  • In addition to the Return of Premium at Death provision, this policy also offers an optional Guaranteed Minimum Death Benefit. At death, the policy will pay the greater of any remaining premiums not already received through income payments or 10 percent of the initial premium.

Survivor Continuation Option:

  • This annuity can be tied to the life of both the annuitant and a spouse or a companion. The annuitant can elect to have the survivor continue to receive a predetermined percent of the income payment, up to 100 percent. In the event the survivor precedes the annuitant in death, the payee will continue to receive a percentage of the income payment.


SPIA With Liquidity & Optional Riders!


Optional Features Below** (Subject to state availability)

© 2023 All Right Reserved  |  A DBA & domain of FSD Insurance and Financial Services

Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time.  For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Licensed in most states. Managing general agency CA Insurance License #0B67385 


single premium immediate annuities


Mon-Fri 8:00am-4:30pm PST

Lifetime Income With Optional Riders.