ANNUITIES

Core Products

• Fixed Deferred Annuities
• One-Year Guarantee
• Multi-Year Guarantee
• Index Annuities
• Single Premium Immediate (SPIA)

Niche Markets

• Age Rated SPIA
• Long-Term Care Riders
• Longevity Annuities
• Structured Settlements
• Terminal Funding

DISABILITY

Core Products

• Disability Buyout
• Disability Income
• Overhead Expense

Niche Markets

• Business Loan Protection
• Key Man Disability
• Multi Life Discounts
• Own Occupation
• Pro Athlete Policies
• Simplified Issue

LIFE INSURANCE

Core Products

• Term Life
• 1 to 30 Years
• Return of Premium Term
• Universal Life
• Fixed
• Index
• Variable
• Whole Life

Niche Markets

• Critical Illness
• Life Settlements
• Long-Term Care Riders
• Pensions
• Premium Financing
• Simplified Issue

LONG TERM CARE

Core Products

• Cash Benefit
• Daily Benefit
• Monthly Benefit

Niche Markets

• Employer Sponsored / Executive Carveouts
• Indemnity Riders
• Linked Benefits
• Medical Supplements