No "Use It Or Lose It" - this annuity provides Long-Term Care benefits if your client needs them, or their annuity value, including net interest if they don't
Safety - the annuity value is free from market risk
Tax-Deferred Growth - interest earned in the annuity accumulates tax-deferred
Long-Term Care Benefits - this annuity will reimburse up to three times the annuity value for Long-Term Care benefits
Death Benefit - the full value of the annuity will be paid directly to the beneficiaries, bypassing probate
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