ENHANCED INCOME
What If Your Income Increased When You Needed It Most?
Some annuities can increase your income if you need long-term care or can’t perform daily activities.
A Supportive Addition
Optional Rider
An optional feature that can be added to certain fixed indexed annuities when you set them up.
Future Focused
Specifically designed to provide financial support and stability for health-related events later in life.
Income Boost
If you qualify, your monthly income can increase—sometimes significantly—when you need it most.
Income That Adjusts When Life Changes
Support for the Unexpected
If you need long-term care or cannot perform 2 out of 6 daily living activities (such as bathing, dressing, or eating), your coverage can activate to provide critical support without draining your standard savings.
Enhanced Income When It Matters
Your annuity may increase your monthly income, sometimes doubling it for a defined period of time to help alleviate the financial pressure of specialized care.
When expenses go up, your income can too.
The Cost Of Care
Healthcare Is One of the Biggest Risks
Long-term care is an expensive reality, yet a surprising number of people approach retirement without a dedicated strategy for these costs. When unexpected health events occur, the financial impact can be profound.
Furthermore, what happens if your market-based assets are down right when you need them? Relying solely on unpredictable markets to fund essential care can jeopardize your financial stability.
This rider helps protect you from needing to drain your savings during a health event. It acts as a financial safe haven, allowing you to maintain your dignity and control without compromising your legacy.
The Lifecycle
How It Works, Simply
01
Add the Rider
You add the rider when initially setting up your fixed indexed annuity.
02
Guaranteed Income
Receive predictable, guaranteed lifetime payments as your financial baseline.
03
Health Event
Income increases significantly for a defined period if you qualify due to health needs.
04
Return to Normal
After the defined period ends, your income simply returns to your baseline lifetime payments.
REAL-LIFE EXAMPLE
$2,000 to $4,000 When It Matters Most
If your base income is $2,000/month, it could increase to $4,000/month during a qualifying event.
TRANSPARENCY FIRST
Clear Expectations
We believe in being upfront about what an Enhanced Income rider can and cannot do for your retirement plan.
What It's Not
- Not a traditional Long-Term Care (LTC) insurance policy
- Does not offer unlimited or lifetime health coverage
- Not designed to cover every potential medical expense
What It Is
- An optional rider added directly to your fixed indexed annuity
- Subject to specific, clear qualifications and time limits
- Provides meaningful financial support when it matters most
Is This Right For You?
Who Is This For?
- Pre-retirees and retirees looking to secure their future without sacrificing growth.
- People concerned about the rising, unpredictable costs of healthcare and aging.
- Those who prefer to avoid the high premiums of separate, traditional LTC insurance.
- Anyone wanting extra protection without giving up control of their core assets.
PROTECT YOUR FUTURE
Find Out If This Protection Fits Your Plan
This isn’t just about income. It’s about having more income when life gets harder.
When your health needs increase, so will your income.
No obligation • Confidential • Free consultation
Empowering you with dignified protection and clarity for life's next chapters.
Fixed indexed annuities are long-term insurance contracts designed for retirement. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. The Enhanced Income rider is optional, subject to health qualifications, and may include additional costs. This information is for educational purposes and does not constitute financial, legal, or tax advice. This product is not a substitute for traditional long-term care insurance.
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