Bob Affronti - Mr. SPIA (Single Premium Immediate Annuity) web page

Immediate Annuity Product Design, Quoting, Training, Sales and Service 

Immediate Annuities have five basic product groups. Within these groups are many more guarantee options. Find the category that fits your situation best.

Single Life Guaranteed Income

This option provides a guaranteed income for one persons life. There are several of type of a single life immediate annuities to fit all types of income situations.

Joint Life Guaranteed Income

This option provides a guaranteed income on two lives for as long as either joint annuitant is alive. When either annuitant dies, payments continue to the survivor.

Period Certain Guaranteed Income

This option provides a guaranteed income for a specific time period. Specify 5 -50 years and the payment is guaranteed for that time period.

Deferred Start Immediate

Pick future retirement income start date and guarantee it today! A specific income to begin on a predetermined date in the future.....

Impaired Risk Age Rated Immediate

Impaired risk age rated immediate annuities are medically underwritten and can increase client income payouts! A retirement planning advantage.

Inflation Protected C.O.L.A. Income

This is a life annuity with payments that increase or decrease by a set percentage each year. 
A annually compounded increase from 1% to 7%. Initial benefit can be substantially lower than non-COLA annuities.

Life Insurance and LTC Funding  

More and more the SPIA is being used to fund the premiums on life and LTC policies.  Funds in an SPDA can be exchanged to an SPIA and life insurance purchased....

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Last modified: 10/18/06