When life insurance says “no,” this annuity strategy says “yes.”

Clients planning their legacy often look to single-premium life insurance for its simplicity and tax advantages — but medical declines can quickly shut the door on that option.

The good news? There’s a powerful alternative that doesn’t require labs, exams, or underwriting.

💡 Introducing the Heritage Maximizer Strategy

Using a fixed indexed annuity with an enhanced death benefit rider, you can give your clients many of the same advantages as a single-pay life policy — even if they’ve been declined.

Here’s how it works:

• The client purchases a fixed indexed annuity (FIA) with the Heritage Maximizer rider.

• After just 3 years, the rider boosts the account value by 30% when paid to beneficiaries.

• No underwriting or medical qualification is required if the client is age 75 or younger at issue.

• The rider only costs 0.30% annually, making it an affordable and efficient legacy tool.

🔍 Real-World Example

Let’s say your client deposits $100,000 into this FIA. Over the years, the account grows to $175,000.
If they pass away after year 3, the death benefit paid to beneficiaries is $227,500 — a 30% bump over the account value, guaranteed.

That’s $52,500 more passed on to their loved ones — without a single health question.

✅ Why Advisors Are Using This Strategy:

• Annuity-Based Simplicity – No stacking of policies or complex illustrations

• Legacy Planning Without Declines – Ideal fallback for failed life applications

• Tax-Deferred Growth – Helps accelerate accumulation for retirement and heirs

• IRA-Compatible – Can be used with qualified or non-qualified funds

• No Medical Exams – Great fit for older clients or those with health concerns

Final Thought

If your client has been declined for single-pay life insurance, don’t let the conversation end there.
Show them how to turn that “no” into a legacy win — with guaranteed growth, tax advantages, and a 30% death benefit boost.