Annuity-Based Long-Term Care Plans
Turn Your Existing Annuity Into 3× or More — Tax-Free — for Long-Term Care
Already Have an Annuity?
It Could Pay for Long-Term Care 3× or More Over.
If you’ve built up $35K or more in an annuity, you may qualify to reposition it into a long-term care plan that multiplies your coverage – with no taxes, no premiums, and no loss of control.
What Is an Annuity-Based LTC Plan?
Many retirees in Washington have annuities earmarked for retirement or health care.
With a 1035 exchange, you can roll your annuity into a special plan that gives you up to 3× or more value, exclusively for long-term care.
Why it works:
- LTC-specific annuities offer tax-free withdrawals for long term care under IRS rules
- If you don’t need care, your investment remains yours or goes to your beneficiaries
- Your money grows at a guaranteed interest rate
Benefits of This Strategy
Up to 3× or More in Coverage
Reposition $100K into up to $300K+ in LTC benefits.
Can include joint coverage where you and your spouse share the benefits in the same policy.
100% Tax-Free for Care
Withdrawals for qualifying care come out tax-free under Section 7702B.
No “Use It or Lose It”
Don’t need care? Your annuity keeps growing — and passes to your estate.
No Market Risk, No Ongoing Premiums
Lock in your plan with a single move. No future costs, fees, or surprises.
1-on-1 Guidance from a Washington-Based Expert
You’ll speak directly with John — not a call center. He’s local, licensed, and understands the plans available to you.
Who This Is For
You may be a great fit if:
- You’re 50–80 years old
- You live in Washington State
- You have $35,000 or more in an annuity
- You want to protect your spouse, savings, or family from the cost of care
Common Questions (FAQ)
Q: Will I lose access to my money if I move it into this plan?
A: No. You’ll still have access – and if you don’t need care, your annuity value keeps growing as is available to you or your beneficiary.
Q: Are there fees or penalties?
A: In most cases, no. You can transfer your annuity using a 1035 exchange, maintaining its tax deferred status. If withdrawals are for care they are tax free.
Q: Do I need to undergo medical underwriting?
A: Yes. I can see if you qualify before committing to the plan.
Q: What if I already have a long-term care policy?
A: This plan can work alongside what you have — or in many cases, replace outdated or expensive policies.
Want to See What Your Annuity Could Do For You?
I will personally review your annuity and let you know if it is a good fit for you.