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Product Highlights

Single premium immediate annuity with liquidity and income enhancement features.
Issue Ages: 0-75

Customer Needs

Designed for senior investors seeking:

  • Guaranteed lifetime income
  • Guaranteed minimum death benefit
  • Income enhancement features
  • Access to account value

Five Good Reasons to Sell Our Income AccessSM Product

  1. It gives clients a guaranteed income and access to their money
  2. It provides a guaranteed minimum death benefit
  3. It offers accelerated benefits
  4. A nursing home rider increases benefits
  5. Inflation protection is available

Income Features

  • Guaranteed Lifetime Income - monthly, quarterly, semi-annually or annually
  • 3% a year inflation protection - optional benefit
  • Nursing Home Confinement Benefit - 50% payment increase if confined to a nursing home - optional benefit
  • Survivor Continuation Option - policy tied to life of owner and selected survivor

Policy Minimum

$10,000 initial premium


Payments must begin from one month up to 13 months following purchase date.


Access Features:

Policy Year 1 2 3 4 5 6
Percent Returned 95% 96% 97% 98% 99% 100%
  • Return of premium on cancellation-up to 100% less payments received, according to the above vesting schedule.

Other Features

  • 3-day free look period
  • Tax-advantaged payments
  • Flexible payout options

Underwriting Guidelines

  • Issue ages: 0-75
  • Policy minimum: $10,000 initial premium; $100 minimum monthly payout

Death Benefit

  • Return of premium at death
  • Guaranteed minimum death benefit - optional benefit
  • Accidental Death Benefit - doubles death benefit when death occurs in a common carrier accident.

Licensing Requirements

  • State insurance license
  • Appointed with United of Omaha


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