Product Literature


ForeCareSM Fixed Annuity


Buyers Guide to Fixed Deferred Annuities


Disclosure Statement


If you are using the ForeCare Calculator here are some helpful terms and definitions.

Client Information

Todays Funds:

How much you have set aside for your fixed annuity

Cost Basis:

The adjusted value of your existing contract, after gains or losses

Pages to Print

Pension Protection Act:

Established in 2006, the PPA offers tax-free benefits for long term care expenses

Split Ticket:

Using part of your money to fund a secondary investment, like a CD, another fixed annuity or a money market account

The Facts:

Explanation of time horizon a CD and fixed annuity would take to reach coverage you get day one with ForeCare

Client Assumptions

CD Rate:

Your current CD rate, typically between 0.25-1.00%

Fixed Annuity

Your current annuity rate, typically between 2.00-3.00%

Split Ticket

ForeCare Annuity Deposit:

Enter how much you plan to invest in your ForeCare contract

Other Investment Deposit:

This value will default to the difference between "Today's Funds" and the amount you plan to invest in ForeCare

Assumed Rate:

Enter the rate at which you assume this investment will grow