Jason Stolz, CLTC, CRPC, DIA, CAA

About Jason Stolz, CLTC, CRPC, DIA, CAA

https://www.diversifiedquotes.com

Jason Stolz is the Chief Underwriter at Diversified Insurance Brokers, a family-owned independent brokerage licensed in all 50 states and appointed with more than 100 carriers. With 25 years of experience in life insurance, annuities, disability insurance, long-term care, and retirement income planning, Jason holds the Chartered Retirement Planning Counselor (CRPC), Certification in Long-Term Care (CLTC), Disability Income Associate (DIA), and Certified Annuity Advisor (CAA) designations. His work and expertise have been featured by Kiplinger. A graduate of Auburn University, Jason reviews all applications in-house as the agency's chief underwriter.

Posts by Jason Stolz:

Malibu Life PillarMark Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

PillarMark asks for patience instead of a fee. Its MultiRider income benefit carries no added charge, starts the benefit base with a 50 percent bonus, and grows that benefit base at 200 percent of the interest the contract earns. The catch is timing: lifetime income cannot begin until ten contract years have passed or you turn 85, whichever happens first. For someone who already has income covered for the next decade and wants a larger, fee-free income source waiting at the end of it, that trade can be attractive. For someone who may need income sooner, it is the wrong tool. Everything else on this page sits on top of that.

Malibu Life SpireMark Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

SpireMark is built for people who want lifetime income they can switch on early and still watch grow. Income can begin as soon as 30 days after the contract is issued, the rider’s benefit base starts with a 45 percent bonus, and before income begins the benefit base rolls up at 250 percent of the interest the contract earns. That design comes with a price: the MultiRider Max rider costs 1.25 percent of the benefit base every year. Whether SpireMark makes sense comes down to one trade-off, how much you value early, flexible income against an ongoing rider charge that its sister product, PillarMark, does not have. Everything else on this page sits on top of that.

NexAnnuity NexCompounder Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

NexCompounder gives you a small, easy-to-follow menu: three indexes, a choice between a cap and a participation rate on each one where offered, and a one-year fixed rate, all measured over one-year terms that reset annually. You also pick a 7-year or 10-year surrender schedule. On the rate sheet we reviewed, both schedules carried identical crediting rates, which means the shorter commitment gave up nothing in growth potential while ending three years sooner. That one detail can save you from locking money away longer than necessary. Everything else on this page sits on top of that.

NexAnnuity NexVantage MYGA Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

NexVantage MYGA puts its liquidity features in the base contract instead of selling them as add-ons. Starting in the second contract year, a tenth of the contract value can come out each year without a surrender charge, split across several withdrawals if you like; required minimum distributions can come out without a surrender charge even in the very first contract year; and the contract value passes to your beneficiaries in full at death. None of that requires a rider election. The trade-off sits with the issuer, a young company without the long financial record most annuity buyers rely on. Everything else on this page sits on top of that.

NexAnnuity NexHaven MYGA Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

NexHaven MYGA is built à la carte. The base contract guarantees a fixed interest rate for three, five, seven, or ten years, but three features that many buyers assume come standard, a penalty-free annual withdrawal, a death benefit that pays full value, and a nursing home waiver, are each optional riders that must be elected and that carry their own cost. Skip them and the contract offers no penalty-free access until each term ends, and your beneficiaries could receive the surrender value rather than the full account value in most states. Deciding which riders you need matters as much as the rate itself. Everything else on this page sits on top of that.

Axonic Waypoint Multi Year Guarantee Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Waypoint MYGA locks in a guaranteed fixed rate for the term you choose, two, three, five, seven, or ten years, and then gives you a 30-day window at the end of every term in which you can take your money out with no surrender charge and no market value adjustment. Between those windows, the rules are firm: there are no penalty-free withdrawals during the first contract year, and withdrawals above the annual allowance face surrender charges that start at 9 percent or more outside California. Choosing the right term, and knowing exactly when your window opens, is what makes this contract work. Everything else on this page sits on top of that.

Axonic Trailhead FIA Income Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Trailhead FIA Income is built around an income base that starts at 125 percent of your premium on the day the contract is issued, grows by 10 percent of your original premium for every year you wait to start income, up to 15 years, and receives a second 25 percent bonus once you have waited ten years. Wait the full 15 years and the income base reaches 300 percent of what you paid in. That income base is not cash you can withdraw, but it is the number your guaranteed lifetime withdrawals are calculated from, which makes the timing of your first withdrawal the most important decision you will make with this contract. Everything else on this page sits on top of that.

Americo Liberty Mark Freedom Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

LibertyMark Freedom, issued by Americo Financial, stands out among fixed indexed annuities for a feature few competitors match at its price: an optional enhanced death benefit rider that grows the amount your beneficiaries receive by 8 percent simple interest on your premium each year for up to 15 years, topping out at 220 percent of the premium and paid in a single sum with no waiting period and no medical underwriting, for an annual charge of 0.15 percent. The base contract carries no mandatory fees, protects principal from index losses, and offers a range of index options, but it is that legacy feature that makes LibertyMark Freedom a planning tool rather than just another accumulation annuity. Everything else on this page sits on top of that.

National Guardian Life Insurance Company Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

When two people plan for long-term care together, their needs may arrive years apart and last very different lengths of time, yet a standard individual policy treats each person as a separate case. National Guardian Life’s HonestLTC policy lets two partners, married or not, share one joint policy, add a third pool of benefits that either partner can draw on after using up their own, and stop paying the entire joint premium as soon as either partner begins receiving benefits. That joint design is what makes HonestLTC stand out among traditional long-term care policies, and everything else sits on top of it.

Mass Mutual CareChoice Hybrid Life-Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Many hybrid long-term care policies give you a fixed pool of care benefits, and that pool can only grow if you pay extra for inflation protection. MassMutual CareChoice works differently because it is built on participating whole life insurance. MassMutual has paid dividends to eligible participating policyowners every year for more than 150 years, and when CareChoice dividends are used to buy paid-up additions, they raise the death benefit, the surrender value, and the long-term care benefit pool, stretching coverage beyond its guaranteed 48-month minimum. Dividends are never guaranteed, but that potential for the care benefit to grow on its own is the heart of CareChoice, and everything else sits on top of it.

Lincoln Financial MoneyGuard Hybrid Life-Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Many long-term care policies set how benefits will be paid on the day you buy them, years or even decades before anyone knows what kind of care you will need. Lincoln MoneyGuard Fixed Advantage lets you make that decision at the time of your first claim. You choose then between reimbursement, which pays up to the full monthly maximum against actual care expenses, and indemnity, which pays a monthly cash benefit with no bills or receipts required. That point-of-claim choice is what sets MoneyGuard apart from the other hybrids we review, and everything else on this page sits on top of it.

Brighthouse Financial SmartCare Hybrid Life-Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

With most hybrid long-term care policies, the long-term care benefit you buy is the benefit you get, unless you pay extra for a fixed inflation rider. Brighthouse SmartCare is built on indexed universal life insurance, and its Indexed LTC option lets the long-term care benefit grow with the performance of market indices such as the S&P 500, up to an annual maximum, while never dropping below the original amount. Paired with a cash indemnity benefit that pays without receipts, that growth potential is the defining feature of SmartCare, and everything else on this page sits on top of it.

Securian Financial Secure Care Hybrid Life-Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Securian Financial’s SecureCare IV pays its long-term care benefit in cash, at 100% of the monthly benefit, for qualified care that includes informal care from a family member or friend, and it pays that same full benefit even when the care is received outside the United States. The premiums are guaranteed never to increase, and the benefits are guaranteed never to decrease. Put together, that means a family can decide who provides care and where, without submitting receipts and without worrying that the cost of the policy will climb later. Everything else on this page sits on top of that combination of flexibility and guarantees.

One America AssetCare and AnnuityCare Hybrid Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Most hybrid long-term care policies cap their benefits at a set number of years. OneAmerica is one of the few carriers that can extend long-term care benefits for the rest of your life, on both its life insurance-based Asset Care and its annuity-based Annuity Care, through an optional Continuation of Benefits rider. For a family worried about the long-duration claims that do the most financial damage, most often extended cognitive decline, that lifetime option changes the planning math entirely. Everything else on this page, from the tax treatment of Annuity Care to the guarantees inside Asset Care, sits on top of that one feature.

Nationwide CareMatters Hybrid Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

With Nationwide CareMatters II, the premium is guaranteed never to increase and the long-term care benefits are guaranteed never to decrease. That one sentence addresses the fear that has kept more people away from long-term care planning than any other: buying a policy in your fifties or sixties and then watching the premium climb in your seventies and eighties, when you can least afford it. CareMatters II is a hybrid, or linked-benefit, policy that pairs long-term care coverage with universal life insurance, so it pays whether you need care or not. Everything else on this page, from the cash benefit to the refund options, sits on top of that guarantee.

Mutual of Omaha MutualCare Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Most long-term care policies make a family wait through an elimination period and submit receipts before a single dollar is paid. Every Mutual of Omaha MutualCare policy includes a built-in Cash Benefit that works differently: it pays 25% of the home health care maximum monthly benefit, up to an initial maximum of $2,000 per month, in advance each month, with no elimination period to satisfy. That money can go toward any expense related to the insured’s care, from the first month a need arises. That single design choice, putting flexible money in a family’s hands at the moment the need for care first appears, is the most important thing to understand about MutualCare, and everything else on this page sits on top of it.

Thrivent Financial Long Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Thrivent’s 2016 Long-Term Care Insurance policy is a federally tax-qualified, guaranteed renewable, dividend-eligible traditional LTC contract — and after reviewing it against the current field for this page, it’s one we’re comfortable recommending with real confidence. It covers the full range of qualified long-term care services: nursing home care, assisted living, adult day care, hospice, home health care, homemaker services, respite care, caregiver training, equipment and home modification, and international care. It’s currently available in every state except New York.

Revol One Breakthrough Annuity Account MYGA

Jason Stolz, CLTC, CRPC, DIA, CAA

If you’ve been parking after-tax savings in CDs because you wanted something simple, safe, and not locked away until retirement, the BreakThrough Annuity Account MYGA from Revol One Insurance Company is worth a close look before you renew that CD one more time. It’s a Multi-Year Guarantee Annuity — a fixed-rate contract with a guaranteed interest rate for a set number of years — but it’s built specifically around a different tax structure and a different promise than the traditional non-qualified annuity most people picture when they hear the word “annuity.”

Mass Mutual Whole Life Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

MassMutual has paid a dividend to eligible participating policyowners every single year since 1869, through the Civil War’s aftermath, two world wars, the Great Depression, and every recession since. Dividends are never guaranteed, and MassMutual says so plainly in its own materials — but that unbroken track record, spanning more than a century and a half, is genuinely the single most important fact to understand before evaluating any MassMutual whole life policy. Everything else on this page, the nine distinct products, the riders, the funding strategies, sits on top of that foundation.

Cincinnati Life Portfolio MYGA Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Most fixed-rate annuities lock a rate for years and then leave you stuck negotiating your way out if the renewal disappoints you. Portfolio MYGA from Cincinnati Life is built around a genuinely useful alignment most competing contracts don’t offer: the same five-year window that guarantees your rate is also the exact window your surrender charge runs out in. When the guarantee period ends, so does the penalty for walking away. That single design decision is the most important thing to understand about this contract before anything else.

Global Atlantic ForeLifetime Income Fixed Index Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

ForeLifetime Income now stands in place of ForeIncome II in Global Atlantic’s fixed index annuity lineup. If you already own a ForeIncome II contract, nothing about it changes — your existing terms, rider mechanics, and guarantees continue exactly as issued. This page is about the product that has taken its place going forward, and the design philosophy behind it is different enough from its predecessor that it’s worth understanding on its own terms rather than assuming it’s simply a renamed version of the same idea.

Security Benefit Strategic Growth Bonus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

A bonus this size gets attention for the right reason and the wrong one at the same time. The right reason: Security Benefit really does add a real, meaningful bonus to your account value the day your money arrives. The wrong reason: most people who call us about this contract assume that bonus is theirs the moment it’s credited, and in most states, it isn’t — not for years.

Mountain Life Mesa Guard Multi Year Guaranteed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Mesa Guard is one of those annuities where the product category on the label doesn’t quite match what’s happening inside the contract — and getting that distinction right matters more here than almost anywhere else, because it changes how you should actually think about the product.

The Standard Platinum Advantage Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Platinum Advantage is the individual disability income contract from Standard Insurance Company, issued in New York through its New York affiliate. It is a well-constructed policy with one genuinely unique built-in feature that no other major carrier offers, and it is also the contract in this market where the gap between what buyers assume they are purchasing and what the base policy actually contains is widest.

Petersen International-Lloyds of London Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Petersen International Underwriters is not a traditional disability insurance company, and understanding that distinction is the key to using it well. Petersen is a Lloyd’s coverholder operating in the United States surplus lines market, which means it designs and underwrites specialty disability programs while the risk itself is carried by syndicates at Lloyd’s of London. It has held coverholder status for over four decades and is a third-generation American firm.

Mass Mutual Radius Choice Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Radius Choice is MassMutual’s premier individual disability income insurance contract, built for professionals, business owners, and corporate executives. Two things separate it from the other major contracts in this market. It is a participating policy, meaning it is eligible to receive dividends, which is close to unique in individual disability insurance. And it offers the longest protection runway of the major contracts, with benefit periods available to age seventy and conditional renewal available beyond that.

Principal Income Protector Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Principal Income Protector is the current individual disability income insurance contract from Principal Life Insurance Company, and it occupies a distinctive position in the market: it is arguably the strongest contract available for stacking, supplementing, and layering coverage rather than for standing alone. Principal built its individual disability business around coordinating with employer group long-term disability, with guaranteed standard issue programs, and with other carriers’ policies, and that orientation shows up throughout the product design.

Ameritas Dinamic Cornerstone Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

DInamic Cornerstone Income Protection is the individual disability income contract issued by Ameritas Life Insurance Corp., built for professionals and higher earners who want a genuine own-occupation definition without paying the premium the very top of the market commands. It is written on a level premium basis and is available in both a non-cancelable version and a guaranteed renewable version, which is a distinction most buyers overlook and one that changes what you actually own.

Guardian Life Provider Choice Disability Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Guardian Provider Choice is an individual disability income insurance contract underwritten and issued by Guardian Life/Berkshire Life Insurance Company of America, Guardian’s disability income subsidiary. It is a non-cancelable and guaranteed renewable policy built primarily for physicians, dentists, attorneys, executives, and business owners who need their income protected in their own specific occupation rather than in any occupation an insurer might argue they could still perform. What separates it from most competing contracts is not one headline feature but the depth of what the base policy includes before a single optional rider is added.

The Standard Thrive Plus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Thrive Plus is a fixed indexed annuity from Standard Insurance Company — issued in three distinct versions, with a genuinely comprehensive set of hardship waivers, an optional death benefit rider with real mechanical depth, and, as of this writing, a significant piece of carrier-level news that any prospective buyer needs to understand before applying.

Prosperity Life Path Way Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Prosperity PathWay Series, issued by Prosperity Life, is a fixed indexed annuity built around one job: turning a lump sum into guaranteed lifetime income, with your principal protected from market losses along the way. At Diversified Insurance Brokers, we have worked through the full mechanics of this product — both versions of it, all three income options, and both bonuses — and can tell you exactly what it does, what it costs, and whether it fits what you are trying to accomplish.

AuguStar Omega Bonus Plus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Omega Bonus Plus 10, issued by AuguStar Life, is a single-premium fixed indexed annuity built for one job: accumulation. It leads with an eye-catching premium bonus and a strong lineup of index crediting strategies, and for the right buyer it is a genuinely competitive contract. At Diversified Insurance Brokers, we have worked through the full mechanics of this product and can tell you exactly what the bonus is really worth, how the crediting strategies actually behave, and whether it fits what you are trying to accomplish.

Trellis Financial Perennial 10 Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Trellis Financial Perennial 10 is a fixed indexed annuity built around a single, specific job: producing the largest guaranteed lifetime income it can for someone who wants that income to start soon. At Diversified Insurance Brokers, as an independent annuity broker, we have taken this contract apart down to the arithmetic and can show you exactly what it will pay, at what age, and what you are giving up to get it.

Knighthead Life Chartline Bonus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Knighthead Life Chartline Bonus Fixed Index Annuity is a single premium deferred annuity designed for individuals who want the growth potential of market-linked strategies combined with an upfront premium bonus—all without the risk of direct market exposure. In a retirement environment where uncertainty has become the norm—rising interest rates, inflation pressure, and market swings—many investors are looking for solutions that bring stability back into the equation. Chartline Bonus is built specifically for that purpose: to provide index-linked growth potential, a meaningful bonus on your premium from day one, and flexible options for future income planning.

RevolOne AccumRev Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Revol One Financial AccumRev Fixed Index Annuity is a single premium deferred annuity designed for individuals who want the growth potential of market-linked strategies without the risk of direct market exposure. In a retirement environment where uncertainty has become the norm—rising interest rates, inflation pressure, and market swings—many investors are looking for solutions that bring stability back into the equation.

Liberty Bankers Heritage Elite

Jason Stolz, CLTC, CRPC, DIA, CAA

The Liberty Bankers Heritage Elite annuity is a single premium deferred annuity designed for individuals who want predictable, contractually guaranteed growth without exposure to market volatility. In a retirement environment where uncertainty has become the norm—rising interest rates, inflation pressure, and market swings—many investors are looking for solutions that bring stability back into the equation. Heritage Elite is built specifically for that purpose: to provide a defined, reliable path for accumulation while preserving principal and offering flexible options for future income planning.

Sentinel Security Personal Choice MYGA

Jason Stolz, CLTC, CRPC, DIA, CAA

The Sentinel Security Personal Choice MYGA, formally known as the Sentinel Plan Personal Choice Annuity, is a multi-year guaranteed annuity designed for individuals who want predictable growth, flexible duration options, and the ability to customize their contract based on real retirement needs. Unlike many annuities that force you into a rigid structure, this product is built around choice—allowing you to select the exact guarantee period, withdrawal flexibility, and optional features that align with your financial goals. For retirees and pre-retirees who value clarity, control, and principal protection, this type of MYGA can serve as a foundational component of a broader retirement income strategy.

Lincoln Financial OptiBlend Lifetime Income Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Lincoln OptiBlend Lifetime Income Annuity, issued by The Lincoln Financial Life Insurance Company, is designed for individuals who want to transform retirement uncertainty into predictable, structured income while maintaining growth potential and protecting their legacy. Retirement planning today is no longer just about accumulation. It is about converting savings into income that lasts, managing market risk, and ensuring that assets can support both lifestyle needs and long-term financial security. T

North American Charter Plus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The North American Charter Plus 14 Fixed Indexed Annuity, issued by North American Company, is built for individuals who want to strengthen their retirement foundation with a combination of premium protection, structured growth potential, and meaningful bonus opportunities. Retirement today looks very different than it did decades ago. Market volatility, inflation uncertainty, and longer life expectancies have made traditional accumulation strategies feel less predictable.

Heartland National Secure Retirement 10 Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Heartland National Secure Retirement Bonus Fixed Indexed Annuity, issued by Heartland National Life Insurance Company, is designed for individuals who want to protect what they have built while still positioning their retirement savings for meaningful long-term growth. In today’s environment of market volatility, inflation pressures, longevity concerns, and economic uncertainty, retirees and pre-retirees are increasingly looking for strategies that provide both protection and opportunity.

Nationwide Peak 10 Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nationwide Peak 10 Fixed Indexed Annuity, issued by Nationwide Life and Annuity Insurance Company, is designed for retirees and pre-retirees who want dependable income potential combined with principal protection and long-term flexibility. In today’s retirement environment, where volatility, inflation, healthcare costs, and longevity risk create uncertainty, having a reliable income floor is essential.

Heritage Growth Advantage Plus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Heritage Growth Advantage Plus Fixed Indexed Annuity is a single-premium, deferred annuity designed for individuals who want protected growth, predictable crediting structures, and an immediate premium bonus. Issued by Investors Heritage Life Insurance Company, this contract builds on traditional fixed indexed annuity design by guaranteeing participation rates and cap rates for the entire surrender charge period in most states while adding a premium bonus at issue that immediately increases the starting account value.

Heritage Growth Advantage Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Heritage Growth Advantage Fixed Indexed Annuity is a single premium, deferred annuity designed for individuals who want long-term growth potential without exposing their retirement assets to market losses. Issued by Investors Heritage Life Insurance Company, this product credits interest based on the performance of selected market indexes while protecting your principal and previously credited interest from downturns. For clients who have asked questions similar to those addressed in our guide on are annuities guaranteed, Heritage Growth Advantage demonstrates how contractual guarantees function inside a structured retirement product.

Ceres Life MYGA

Jason Stolz, CLTC, CRPC, DIA, CAA

A Ceres Life MYGA (multi-year guaranteed annuity), issued by Ceres Life, is a fixed deferred annuity designed to provide a guaranteed interest rate for a defined term—most commonly used by people who want predictable growth, principal protection from market loss, and a clear timeline for when they can reassess their strategy.

Ceres Life Graybar Ascend

Jason Stolz, CLTC, CRPC, DIA, CAA

Ceres Life Graybar Ascend Fixed Indexed Annuity, issued by Ceres Life, is built for people who want a clear tradeoff: principal protection with the opportunity to earn interest based on market index movement—without being directly invested in the market and without being credited negative interest due to index performance.

Ceres Life Graybar IncomePlus

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ceres Life Graybar IncomePlus Fixed Indexed Annuity, issued by Ceres Life, is designed to help convert retirement savings into reliable lifetime income while still providing growth potential tied to market index performance. Unlike traditional market investments, this annuity is built around protection first — meaning it is structured so negative market performance does not directly reduce credited interest.

Talcott EverStead MYGA Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Talcott EverStead MYGA Annuity is designed for retirees and conservative savers who want guaranteed growth, principal protection, and predictable outcomes in an uncertain market environment.

Talcott EverGuard Aspire Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Talcott EverGuard Aspire Annuity is a fixed indexed annuity designed for individuals who want principal protection, tax-deferred growth, and the opportunity to participate in market-linked upside—without exposing their retirement savings to market losses. Built for long-term accumulation, EverGuard Aspire combines flexible index strategies, professionally managed model portfolios, and optional premium bonuses to support a wide range of retirement goals.

Talcott EverGuard Assurance Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Talcott’s EverGuard Assurance Annuity, issued by Talcott Financial Group, is a fixed indexed annuity built for retirees and pre-retirees who want two things at the same time: protection from market losses and a clear path to guaranteed lifetime income. It’s designed to help you convert a portion of your savings into a more predictable retirement paycheck—while still allowing market-linked growth potential through index strategies.

Fixed Indexed Annuities in Retirement: The Hidden Gem of Financial Planning

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed annuities are one of the most overlooked tools in retirement planning. By offering guaranteed growth, full principal protection, and the ability to create lifetime income, they provide stability in a world where markets and interest rates are unpredictable.

Nationwide New Heights Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nationwide New Heights Annuity Select is one of those strategies—a contract from Nationwide that combines market-linked growth potential, strong downside protection, and optional income and legacy riders that can support a full retirement plan.

Mountain Life Secure Summit Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Mountain Life Secure Summit Multi-Year Guaranteed Annuity (MYGA) is designed for conservative savers who want predictable growth, complete principal protection, and tax-deferred accumulation—without market volatility. This MYGA provides fixed interest guarantees for multi-year periods, customizable liquidity options, and several built-in benefits that support retirement planning, wealth transfer, and long-term financial security.

American Gulf Anchor MYGA – Guaranteed Growth, Liquidity, and Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The American Gulf Anchor Multi-Year Guaranteed Annuity (MYGA) provides fixed, predictable growth with full principal protection, flexible liquidity, and guaranteed interest rates—making it an excellent option for conservative investors seeking stability and tax-deferred accumulation.

Prosperity PathPro Max Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Prosperity PathPro Max Fixed Indexed Annuity offers premium bonuses, strong crediting strategies, and multiple term options—designed for secure growth, liquidity, and long-term income protection.

Revol One Enduris 10 FIA with Income – Growth Potential, Income Security, and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Revol One Enduris FIA with Income combines growth potential, lifetime income, and principal protection—ideal for securing retirement with Diversified Insurance Brokers’ guidance.

Corebridge Power Series Index Annuities – Lifetime Income with Market Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Corebridge Power Series Index Annuities provide lifetime income, tax-deferred growth, and principal protection to help secure your retirement.

Prudential SurePath Income Annuity – Guaranteed Lifetime Income with Daily Growth

Jason Stolz, CLTC, CRPC, DIA, CAA

The Prudential SurePath Income Annuity offers a 10% bonus, daily income growth, and principal protection to secure your retirement income.

Allianz 360 Annuity – Lifetime Income with a 105% Interest Bonus and Flexible Growth Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The Allianz 360 Annuity offers a 105% interest bonus, principal protection, and increasing lifetime withdrawals for long-term retirement security.

Allianz Core Income 7 Annuity – Increasing Lifetime Income with Market Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Allianz Core Income 7 Annuity offers principal protection, indexed growth potential, and increasing lifetime income for a secure retirement plan.

Atlantic Coast Life Income Navigator Annuity – Guaranteed Income with Growth and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Atlantic Coast Life Income Navigator Annuity offers a 7% bonus, 7% roll-up rate, and guaranteed lifetime income—ideal for secure retirement planning.

Midland National Income Planning Annuity – Growing Lifetime Income with Long-Term Care Support

Jason Stolz, CLTC, CRPC, DIA, CAA

The Midland National MNL Income Planning Annuity offers guaranteed lifetime income with a 10% annual increase and built-in long-term care benefits.

American Equity IncomeShield 10 Annuity – Guaranteed Income, Long-Term Care Benefits, and a 10% Bonus

Jason Stolz, CLTC, CRPC, DIA, CAA

The IncomeShield 10 Annuity from American Equity offers a 10% premium bonus, guaranteed lifetime income, and long-term care enhancements for lasting retirement security.

Synergy Choice Income Annuity – Guaranteed Income Growth with Powerful Multipliers and Market Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Synergy Choice Income Annuity from Aspida offers a 25% bonus, 10% roll-up, and enhanced income multipliers—designed for lasting retirement income and protection.

Athene BCA 2.0 Annuity – Lifetime Income, Market Protection, and Enhanced Legacy Benefits

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene BCA 2.0 Annuity offers increasing lifetime income, market protection, and powerful legacy features—all backed by Athene’s Balanced Allocation Value system.

Nassau Flex Forward Annuity – Customizable Income for Every Retirement Stage

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nassau Flex Forward Annuity provides flexible income options, tax-deferred growth, and principal protection to help retirees secure lasting financial stability.

F&G Safe Income Advantage Annuity – Built-In Income and Health-Based Multipliers

Jason Stolz, CLTC, CRPC, DIA, CAA

The F&G Safe Income Advantage is designed for those seeking guaranteed lifetime income, market protection, and enhanced income benefits if health needs arise.

Forethought Income 150+ SE Fixed Indexed Annuity – Powerful Income Boosts with Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The Income 150+ SE Annuity by Forethought Life Insurance Company offers guaranteed income, enhanced withdrawal features, and long-term care support—ideal for retirees seeking both growth and protection.

Integrity Life Indextra Fixed Indexed Annuity – Guaranteed Protection With Indexed Growth Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The Indextra Fixed Indexed Annuity offers guaranteed lifetime income, tax-deferred growth, and strong legacy benefits, making it an ideal retirement planning tool for those seeking protection and performance.

Midland National MNL IncomeVantage Pro Fixed Indexed Annuity – Lifetime Income With Built-In Growth Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The MNL IncomeVantage Pro delivers guaranteed income, penalty-free withdrawals, and growing benefit base options—ideal for retirees seeking long-term financial stability.

Nationwide Peak 10 Fixed Indexed Annuity – Bonus Income, Roll-Up Growth, and Retirement Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nationwide Peak 10 offers a bonus credit, simple roll-up, and joint lifetime income—making it an ideal fit for retirees seeking guaranteed income and flexibility.

Athene Velocity Annuity – Lifetime Income Growth with Market Protection and Enhanced Legacy Benefits

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene Velocity Annuity offers market-linked growth, downside protection, and increasing lifetime income—plus a powerful death benefit for loved ones.

North American Income Pay Pro Fixed Indexed Annuity – Guaranteed Income with Long-Term Care Support

Jason Stolz, CLTC, CRPC, DIA, CAA

North American’s Income Pay Pro annuity delivers lifetime income, an income base roll-up, and enhanced long-term care benefits—backed by principal protection.

North American PrimePath Pro 10 Fixed Index Annuity – Secure Income with Flexible Growth Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The North American PrimePath Pro 10 Fixed Index Annuity offers guaranteed lifetime income, multiple growth strategies, and enhanced long-term care benefits—all with principal protection.

Protective Income Builder Indexed Annuity – Lifetime Income with Growth and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Protective Income Builder Annuity offers guaranteed income, a 10% annual roll-up, and flexible payout options for retirees seeking both security and long-term growth.

Symetra Income Edge Fixed Indexed Annuity – Lifetime Income with Growth Potential and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Symetra Income Edge Annuity offers guaranteed lifetime income, annual income roll-ups, and market protection, making it a strong choice for retirement security.

Corebridge American Pathway Fixed Annuities – Fixed Growth, Principal Protection, and Peace of Mind

Jason Stolz, CLTC, CRPC, DIA, CAA

The AIG American Pathway Fixed Annuities offer secure, fixed interest growth and principal protection, making them a reliable choice for long-term retirement income.

Athene Performance Elite Annuity – Flexible Growth with Powerful Income Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene Performance Elite Annuity combines market-linked growth strategies, premium bonuses, and flexible income features for a powerful retirement solution.

Athene Ascent Pro 10 Bonus Annuity – Growth, Guarantees, and Lifetime Income

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene Ascent Pro 10 Bonus Annuity blends growth, guaranteed income, and protection—designed for long-term retirement success.

Athene Activate Annuity – Immediate, Guaranteed Income for Life

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene Activate turns a lump sum into a guaranteed income stream—providing lifetime payouts, flexible options, and peace of mind.

Allianz Accumulation Advantage+ Fixed Index Annuity – Growth Potential With Flexibility and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Accumulation Advantage+ Annuity offers market-linked growth, a premium bonus, and flexible liquidity features to help secure your retirement future.

Atlantic Coast Life Safe Harbor Bonus Guarantee Annuity – Fixed Returns With First-Year Growth Boost

Jason Stolz, CLTC, CRPC, DIA, CAA

The Safe Harbor Bonus Guarantee Annuity offers reliable fixed growth, a first-year bonus, and flexible term options for long-term retirement security.

Allianz 222 Fixed Index Annuity – Bonuses, Growth, and Lifetime Income Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Allianz 222 Annuity offers premium and interest bonuses, principal protection, and guaranteed lifetime income with long-term care enhancements.

AIG Power Series of Index Annuities – Lifetime Income With Market Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Power Series of Index Annuities delivers market-linked growth with principal protection and lifetime income for secure retirement planning.

Atlantic Coast Life Safe Haven Bonus Guarantee Annuity – First-Year Boost With Long-Term Stability

Jason Stolz, CLTC, CRPC, DIA, CAA

The Safe Haven Bonus Guarantee Annuity offers a first-year interest bonus, contract term flexibility, and penalty-free interest withdrawals for long-term financial confidence.

American Equity AssetShield 10 Bonus Annuity – 14% Premium Bonus With Protected Growth

Jason Stolz, CLTC, CRPC, DIA, CAA

The AssetShield 10 Bonus Annuity offers a 14% premium bonus, market-linked growth potential, and principal protection for a secure retirement strategy.

American Equity AssetShield 10 Annuity – Market Growth Without Market Risk

Jason Stolz, CLTC, CRPC, DIA, CAA

The AssetShield 10 Annuity delivers index-linked growth, principal protection, and enhanced benefits for secure, long-term retirement planning.

American Equity BalanceShield 10 Annuity – Growth Protection With Index Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The BalanceShield 10 Annuity delivers market-linked growth with downside protection, liquidity features, and enhanced benefits for long-term stability.

American Equity EstateShield 10 Annuity – Market Growth With Legacy Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The EstateShield 10 Annuity offers index-linked growth, guaranteed lifetime income, and enhanced death benefit features for legacy-focused retirement planning.

American Equity GuaranteeShield Annuity – Secure Growth With Lifetime Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The GuaranteeShield Fixed Annuity offers reliable fixed growth, penalty-free access, and enhanced protection for long-term retirement planning.

American Life Classic MYGA – Predictable Growth Without Market Risk

Jason Stolz, CLTC, CRPC, DIA, CAA

The American Life Classic MYGA delivers secure, fixed returns with tax-deferred growth and flexible liquidity for long-term financial peace of mind.

American Life Fusion MYGIA – Fixed Growth With Market-Linked Bonus Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The American Life Fusion MYGIA combines guaranteed fixed interest with potential S&P 500®-linked bonus credits for enhanced growth.

American Life Fixed Index Annuity – Growth Potential With Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The American Life Fixed Index Annuity offers market-linked crediting options, tax-deferred growth, and protection against downside risk.

Ibexis MYGA Plus Annuity – Guaranteed Growth With Indexed Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ibexis MYGA Plus Annuity offers guaranteed interest, penalty-free liquidity, and optional market-linked growth for flexible retirement planning.

United of Omaha Ultra-Secure Plus Annuity – Fixed Growth With Premium Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ultra-Secure Plus Annuity offers fixed rates, liquidity features, and a return of premium guarantee for peace of mind.

MNL Guarantee Pro MYGA – Guaranteed Growth With Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The MNL Guarantee Pro MYGA offers predictable interest, principal protection, and tax-deferred growth for retirement.

Nationwide Secure Growth Fixed Annuity – Reliable Growth and Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nationwide Secure Growth Annuity offers predictable interest, tax-deferred growth, and strong principal protection.

SILAC Secure Savings Annuity – Fixed Growth with Liquidity and Stability

Jason Stolz, CLTC, CRPC, DIA, CAA

The SILAC Secure Savings Annuity provides market-risk-free growth, tax advantages, and penalty-free access in retirement.

Pacific Guardian Life Diamond Head MYGA – Fixed Growth with Liquidity and Legacy Benefits

Jason Stolz, CLTC, CRPC, DIA, CAA

The Pacific Guardian Life Diamond Head MYGA delivers guaranteed fixed growth, penalty-free liquidity, and flexible estate planning features.

Lincoln MYGuarantee Plus Fixed Annuity – Predictable Growth Without Market Risk

Jason Stolz, CLTC, CRPC, DIA, CAA

The Lincoln MYGuarantee Plus Fixed Annuity delivers stable, tax-deferred growth with guaranteed interest rates and flexible withdrawal features.

Clear Spring Life ClearFlex Fixed Indexed Annuity – Balanced Growth with Flexibility and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The ClearFlex Annuity offers market-linked growth with downside protection and liquidity features—ideal for retirement flexibility and long-term planning.

Aspida Synergy Choice Max Fixed Index Annuity – Growth with Downside Protection and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Aspida Synergy Choice Max Annuity offers powerful growth potential, market-linked strategies, and strong liquidity—backed by a solid financial foundation.

Delaware Life Target Growth 10 Fixed Index Annuity – Principal Protection with Built-In Growth Guarantees

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life Target Growth 10 Annuity offers market-linked growth, principal protection, and guaranteed account value—making it a strong choice for long-term financial security.

Americo Elite 5 Index Annuity – Short-Term Growth with Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The Americo Elite 5 Index Annuity offers a balanced approach to growth and income with a short 5-year commitment, diverse index options, and built-in lifetime income features.

Atlantic Coast Life Accumulation Protector Plus Annuity – 10% Bonus Growth with Index Flexibility and Built-In Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The Atlantic Coast Life Accumulation Protector Plus Annuity offers a powerful 10% premium bonus, principal protection, and multi-index growth potential—making it a compelling solution for long-term savers focused on accumulation and security.

Athene Agility Annuity – Built-In Income, Market Growth, and Lifetime Flexibility with a 50% Bonus

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene Agility Fixed Indexed Annuity combines market-linked accumulation with a built-in income rider and long-term protection—providing a complete retirement solution with no additional rider fees.

Ameritas FlexMark Select Annuity – Market Growth, Lifetime Income, and Customizable Retirement Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ameritas FlexMark Select Fixed Index Annuity offers powerful growth potential, optional premium bonuses, and guaranteed income riders—making it a flexible tool for retirement planning with long-term protection built in.

Standard Insurance Enhanced Choice Index Plus Annuity – Guaranteed Accumulation with Multi-Year Rate Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Standard Insurance Enhanced Choice Index Plus Annuity offers guaranteed accumulation, principal protection, and multi-year participation rates—making it a solid choice for long-term retirement growth and security.

American National Strategy Indexed Annuity PLUS 10 – Lifetime Income and Indexed Growth with Built-In Safety

Jason Stolz, CLTC, CRPC, DIA, CAA

The American National Strategy Indexed Annuity PLUS 10 delivers lifetime income guarantees, market-linked growth, and protection features designed for individuals looking to build a resilient and flexible retirement strategy.

Athene AccuMax 7 Annuity – Multi-Year Growth Strategies with Principal Protection and Index Power

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene AccuMax 7 Fixed Indexed Annuity combines market-linked strategies, downside protection, and enhanced accumulation potential through multi-year crediting options and strong participation rates.

Aspida Synergy Choice Bonus Annuity – Market Growth, Premium Bonus, and Built-In Income Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Aspida Synergy Choice Bonus Fixed Indexed Annuity offers premium growth, principal protection, and guaranteed lifetime income options—making it a flexible and powerful tool for long-term retirement planning.

EquiTrust MarketTen Bonus Index Annuity – Premium Bonus Growth with Flexible Income and Return Guarantees

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketTen Bonus Index Annuity offers a 6% premium bonus, downside protection, and the potential for guaranteed lifetime income—designed to meet the evolving needs of today’s retirement savers.

Delaware Life PrimeStart Bonus Annuity – Market Growth, 10% Bonus, and Lock-In Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life PrimeStart Bonus 10 Annuity delivers a powerful combination of market-linked growth, principal protection, a 10% premium bonus, and an exclusive rate lock feature—all designed for long-term financial strength.

Standard Insurance Multi-Choice Annuity – Fixed Growth with Built-In Flexibility and Income Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The Standard Insurance Multi-Choice Annuity combines guaranteed interest, flexible withdrawals, and income-ready features—making it an ideal option for savers who want both predictability and access.

Standard Insurance Focused Growth Annuity – Fixed Interest with Flexible Terms and Early Interest Access

Jason Stolz, CLTC, CRPC, DIA, CAA

The Standard Insurance Focused Growth Annuity delivers stable, tax-deferred returns with built-in interest access and flexible term options—ideal for conservative savers seeking predictability and control.

North American Guarantee Plus MYGA – Fixed Growth with Flexible Liquidity and Strong Renewal Options

Jason Stolz, CLTC, CRPC, DIA, CAA

With guaranteed rates, tax-deferred growth, and the ability to access interest without penalty, the North American Guarantee Plus MYGA offers both stability and flexibility for long-term savers.

Integrity Life MultiVantage Fixed Annuity – Locked-In Rates with First-Year Boost and Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

With guaranteed multi-year rates, liquidity options, and a first-year interest boost, the Integrity Life MultiVantage Fixed Annuity offers dependable growth and flexibility for secure retirement planning.

Knighthead Life Staysail MYGA – Predictable Growth with Term Flexibility and High-Band Rates

Jason Stolz, CLTC, CRPC, DIA, CAA

The Knighthead Life Staysail Multi-Year Guaranteed Annuity offers guaranteed interest, flexible terms, and competitive high-band rates—making it a reliable solution for stable, tax-deferred growth.

Aspida Synergy Choice MYGA – Flexible, Predictable Growth with Built-In Liquidity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Aspida Synergy Choice MYGA provides fixed growth, built-in withdrawal flexibility, and strong financial backing—making it a practical choice for conservative savers who value stability and control.

Guaranty Income Guaranty Rate Lock MYGA – Fixed Growth, Flexible Terms, and Reliable Security

Jason Stolz, CLTC, CRPC, DIA, CAA

For savers who value stability over speculation, the Guaranty Rate Lock MYGA delivers guaranteed interest rates, principal protection, and flexible term lengths—all without the noise of the market.

Axonic Trailhead Fixed Indexed Annuity – Market Growth with Downside Protection and Flexible Terms

Jason Stolz, CLTC, CRPC, DIA, CAA

For those looking to capture market-linked growth while safeguarding their retirement savings, the Axonic Trailhead Fixed Indexed Annuity delivers flexibility, protection, and multiple term options tailored to your financial timeline.

ClearSprings Life ViStar Fixed Indexed Annuity – Market Growth with Principal Protection and Built-In Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Clear Spring Life ViStar Annuity offers market-linked growth, principal protection, and penalty-free access—ideal for secure retirement planning.

Guaranty Income Life Guaranty Growth Plus Fixed Indexed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Guaranty Growth Plus Annuity offers market participation, downside protection, and guaranteed lifetime income—ideal for long-term retirement security.

American National Palladium MYG Annuity – Fixed Growth with Flexible Terms and Liquidity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Palladium MYG Annuity from American National offers guaranteed interest, tax-deferred growth, and flexible access options for secure retirement planning.

Athene MaxRate Annuity – Fixed Growth, Flexible Terms, and Retirement Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The Athene MaxRate MYGA delivers guaranteed fixed interest, penalty-free access, and dependable retirement growth with multi-year term options.

Americo Growth Commander Annuity – Market-Linked Growth with Downside Protection and Income Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The Americo Growth Commander Annuity offers market participation with principal protection, flexible liquidity, and guaranteed income features.

GBU Life Asset Guard Annuity – Fixed Growth with Liquidity and Flexible Withdrawal Features

Jason Stolz, CLTC, CRPC, DIA, CAA

The GBU Life Asset Guard MYGA delivers guaranteed interest, early access to funds, and flexible terms to support a secure retirement strategy.

Oxford Life Select Series Annuity – Market Growth with Lifetime Income and Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Oxford Life Select Series Annuity combines market-linked growth, lifetime income, and strong protection features for a secure retirement plan.

Royal Neighbors MYGA – Fixed Returns with Emergency Access and Flexible Renewal Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The Royal Neighbors Multi-Year Guarantee Annuity offers fixed interest, tax-deferred growth, and emergency access benefits to support secure retirement planning.

Heartland National Secure Rate Annuity – Fixed Growth with Flexible Access and Low Entry Point

Jason Stolz, CLTC, CRPC, DIA, CAA

The Heartland National Secure Rate MYGA offers guaranteed interest, low minimums, and flexible access—ideal for safe, long-term retirement growth.

SBLI ECAccumulate Annuity – Guaranteed Growth with Flexibility and Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The SBLI ECAccumulate Fixed Annuity offers guaranteed growth, penalty-free access, and conversion options for lasting retirement income.

F&G Life Performance Pro Annuity – Market Growth with Principal Protection and Guaranteed Lifetime Income

Jason Stolz, CLTC, CRPC, DIA, CAA

The Fidelity & Guaranty Life Performance Pro Fixed Indexed Annuity offers market-linked growth, guaranteed income, and enhanced features for long-term retirement security.

EquiTrust Certainty Select Annuity – Guaranteed Growth with Flexible Terms and Emergency Access

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust Certainty Select MYGA offers fixed interest, tax-deferred growth, and customizable term options to meet your retirement needs.

Wichita National Life Security 5 Annuity – A Safe, Predictable Option for Retirement Growth

Jason Stolz, CLTC, CRPC, DIA, CAA

The Wichita National Life Security 5 Multi-Year Guarantee Annuity provides fixed returns, flexible payout options, and reliable protection from market volatility.

High Risk Disability Insurance: Coverage Options for Those with Medical Challenges

Jason Stolz, CLTC, CRPC, DIA, CAA

Even if you’ve been denied before, impaired risk disability insurance could still offer the protection you need.

Americo Ultimate One Index 7 Annuity – Market Growth and Principal Protection in One

Jason Stolz, CLTC, CRPC, DIA, CAA

The Americo Ultimate One Index 7 Fixed Indexed Annuity offers secure growth, income flexibility, and protection against market downturns—ideal for building long-term retirement stability.

EquiTrust MarketValue Index Annuity – Market Participation with Guaranteed Lifetime Income Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketValue Index Fixed Indexed Annuity offers strong growth potential, principal protection, and guaranteed income options—making it a compelling solution for long-term retirement planning.

Global Atlantic ForeAccumulation II Fixed Indexed Annuity – Market Growth with Guaranteed Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Global Atlantic ForeAccumulation II Annuity offers market-linked growth with no downside risk, a guaranteed legacy benefit, and flexible access to funds—ideal for those looking to grow and protect retirement savings.

F&G 1-2-3 Fixed Indexed Annuity – Income Flexibility, Market Growth, and Lifetime Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The F&G 1-2-3 Annuity offers customizable lifetime income, tax-deferred growth, and market participation with full downside protection—making it a compelling retirement planning tool for those seeking long-term security.

Delaware Life Momentum Growth Fixed Indexed Annuity – Flexible Growth, VersaGain Customization, and Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life Momentum Growth Annuity offers market-linked returns, customizable risk control through VersaGain, and complete principal protection—making it a strong choice for retirement security.

Symetra Select Pro Fixed Deferred Annuity – Predictable Growth, 15% Liquidity, and Strong Guarantees

Jason Stolz, CLTC, CRPC, DIA, CAA

The Symetra Select Pro Fixed Deferred Annuity offers guaranteed multi-year interest rates, up to 15% annual liquidity, and strong death benefit protection for safe and stable retirement growth.

Oxford Life Multi-Select Fixed Annuity – Predictable Growth, Principal Protection, and Flexible Terms

Jason Stolz, CLTC, CRPC, DIA, CAA

The Oxford Life Multi-Select Fixed Annuity offers guaranteed interest rates, flexible term lengths, and penalty-free access to funds, making it a smart option for stable retirement growth.

North American Guaranteed Allocation 10 – Fixed Growth with Flexible Strategy and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The North American Guaranteed Allocation 10 offers fixed credited rates, flexible allocation strategies, and penalty-free withdrawals for predictable retirement growth with protection.

Burial Insurance: Simple, Affordable Protection for Final Expenses

Jason Stolz, CLTC, CRPC, DIA, CAA

Burial insurance offers peace of mind by covering funeral and final expenses, ensuring loved ones aren’t left with a financial burden.

How Multi-Year Guaranteed Annuities (MYGAs) Compare to CDs

Jason Stolz, CLTC, CRPC, DIA, CAA

Both MYGAs and CDs offer safe, fixed interest—but only one provides tax-deferred growth and long-term planning flexibility.

Why Annuities Are the Best Pension Replacement for Today’s Retirees

Jason Stolz, CLTC, CRPC, DIA, CAA

Traditional pensions may be disappearing, but annuities offer a secure and guaranteed income stream that today’s retirees can count on.

F&G Guarantee-Platinum – Predictable Growth with Multi-Year Fixed Rates

Jason Stolz, CLTC, CRPC, DIA, CAA

The F&G Guarantee-Platinum Annuity offers 3, 5, or 7-year fixed interest options, penalty-free interest withdrawals, and strong protection for secure retirement growth.

Global Atlantic SecureFore 5 – A Fixed Annuity with Guaranteed Growth and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The SecureFore 5 Annuity from Global Atlantic offers 5 years of fixed interest, principal protection, and flexible withdrawal options—ideal for secure retirement planning.

National Life Group RetireMax Secure – Fixed Annuity with Flexibility and Predictable Growth

Jason Stolz, CLTC, CRPC, DIA, CAA

The RetireMax Secure MYGA from National Life Group offers guaranteed interest, penalty-free access, and flexible renewal options—making it a smart choice for stable retirement income.

Symetra Select Max – Fixed Growth with Flexibility and Long-Term Security

Jason Stolz, CLTC, CRPC, DIA, CAA

The Symetra Select Max Fixed Deferred Annuity offers guaranteed interest, penalty-free interest withdrawals, and flexible renewal options—making it an excellent choice for those seeking stability and protection in retirement.

Reliance Standard Reliance Guarantee 5 – Guaranteed Growth and Flexible Liquidity for Retirement

Jason Stolz, CLTC, CRPC, DIA, CAA

The Reliance Standard Reliance Guarantee 5 Fixed Annuity offers guaranteed interest, penalty-free access to funds, and flexible liquidity options—making it an ideal choice for retirement savers seeking predictable growth and financial security.

Nassau MYAnnuity 5X/7X – Fixed Growth with Long-Term Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Nassau MYAnnuity 5X/7X offers guaranteed interest rates, flexible withdrawal options, and long-term stability for retirement planning.

Delaware Life Pinnacle Plus – Predictable Growth with Flexibility and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life Pinnacle Plus Multi-Year Guaranteed Annuity, issued by Delaware Life Insurance Company, provides a reliable and low-risk option for individuals seeking secure, predictable performance without market exposure.

Clear Spring Life Preserve – Predictable Growth with Long-Term Stability

Jason Stolz, CLTC, CRPC, DIA, CAA

The Clear Spring Life Preserve MYGA offers fixed growth, principal protection, and flexible liquidity options—perfect for retirees seeking reliable performance.

EquiTrust MarketForce Bonus – 8% Bonus, Index Growth & Retirement Security

Jason Stolz, CLTC, CRPC, DIA, CAA

With an 8% premium bonus and flexible growth options, the MarketForce Bonus Index Annuity helps protect your future while offering meaningful upside in retirement.

Oceanview Harbourview – Index Growth and 100% Downside Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Oceanview Harbourview annuity offers strong index participation, zero downside risk, and income flexibility—ideal for retirement savers seeking market growth with guarantees.

Lincoln OptiBlend – Market Growth Potential with Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Lincoln OptiBlend annuity offers strong index-linked growth potential and full principal protection—ideal for those who want retirement growth without the risk of loss.

North American VersaChoice 10 – Flexible Growth and Enhanced Liquidity Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The North American VersaChoice 10 annuity offers flexible liquidity, innovative crediting strategies, and powerful protection features—perfect for clients who want market participation without market losses.

F&G Flex Accumulator – Market Growth with Principal Protection and Flexible Access

Jason Stolz, CLTC, CRPC, DIA, CAA

The F&G Flex Accumulator offers diversified index strategies, downside protection, and enhanced benefits—perfect for those seeking market-based growth with security and flexibility.

Sagicor Milestone Max – Guaranteed Growth with MYGA Simplicity and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Sagicor Milestone Max MYGA provides stable growth, liquidity, and retirement security—perfect for those seeking predictable, fixed returns.

Protective Asset Builder II – Growth Potential with Market Protection and Income Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Protective Asset Builder II FIA delivers market-linked accumulation, principal protection, and income flexibility—ideal for individuals seeking secure retirement growth.

EquiTrust MarketPower Bonus – Upfront Bonus, Income Multipliers, and Long-Term Growth

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketPower Bonus annuity offers a 10% premium bonus, powerful income growth options, and index-linked crediting—ideal for retirement savers who want protection and upside potential.

SILAC Vega Bonus – Flexible Growth, a 50% Bonus, and Lifetime Income Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The SILAC Vega Bonus Fixed Indexed Annuity delivers flexible accumulation, up to a 50% benefit bonus, and lifetime income options—making it a smart choice for individuals seeking growth and protection.

Americo Platinum Assure MYGA – Predictable Growth with Liquidity and Long-Term Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Americo Platinum Assure MYGA offers guaranteed interest, flexible access, and principal protection—ideal for retirement savers seeking predictable, penalty-free growth.

Oceanview Harbourview MYGA – Guaranteed Growth with Flexibility and Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Oceanview Harbourview MYGA offers fixed interest rates, multiple term lengths, and flexible withdrawal features—making it a smart solution for secure retirement accumulation.

NWL Impact 10 – Bonus Growth, Flexible Income, and Strong Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The NWL Impact 10 annuity offers a 7% premium bonus, flexible crediting strategies, and multiple income options—ideal for building retirement income with long-term protection.

GILICO WealthChoice – Flexible Growth and Guaranteed Income You Can Count On

Jason Stolz, CLTC, CRPC, DIA, CAA

The GILICO WealthChoice annuity offers premium bonuses, lifetime income riders, and return of premium protection—delivering long-term growth, income, and flexibility.

F&G Prosperity Elite – Bonus Income and Long-Term Retirement Confidence

Jason Stolz, CLTC, CRPC, DIA, CAA

The F&G Prosperity Elite annuity offers an 18% income base bonus, a 10% roll-up, and health-based income multipliers—making it a standout choice for guaranteed lifetime income.

EquiTrust MarketFive – 5-Year Growth with Guarantees and Market-Linked Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketFive annuity provides a 5-year term, principal protection, and market-based strategies—ideal for those seeking short-term growth with guaranteed security.

Ameritas ApexAdvantage – Flexible Growth, Lifetime Income, and Protection in One Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ameritas ApexAdvantage annuity combines powerful index strategies, income protection riders, and legacy benefits—making it a strong choice for secure, flexible retirement planning.

Delaware Life Momentum Growth Plus – Lock in Growth with Flexibility and Control

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life Momentum Growth Plus annuity offers a 13% premium bonus, index-linked strategies, and the VersaGain feature—empowering you to control and protect your retirement growth.

Midland National MNL IndexBuilder 10 – Bonus Growth, Market Protection, and Lifetime Income

Jason Stolz, CLTC, CRPC, DIA, CAA

The MNL IndexBuilder 10 from Midland National offers up to a 17% bonus, multiple index strategies, and flexible income options—ideal for those seeking long-term retirement security.

Revol One DirectGrowth MYGA – A Simple, Guaranteed Way to Grow Retirement Savings

Jason Stolz, CLTC, CRPC, DIA, CAA

The Revol One DirectGrowth MYGA offers guaranteed interest, principal protection, and flexible features—making it an excellent choice for secure retirement accumulation.

The Standard Keystone Index 10 Fixed Indexed Annuity – Safe Accumulation with Market Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The Keystone Index 10 from The Standard offers reliable growth, S&P 500 index options, and flexible access—making it a strong choice for retirees seeking both security and upside.

Delaware Life DualTrack Income Fixed Indexed Annuity – Two Income Paths. One Powerful Outcome

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life DualTrack Income annuity gives retirees a unique way to grow future income—combining a 9% guaranteed roll-up with a performance-based track that locks in the higher value.

Ibexis FIA Plus Fixed Indexed Annuity – Capture Growth While Managing Risk

Jason Stolz, CLTC, CRPC, DIA, CAA

The Ibexis FIA Plus annuity offers accumulation-focused investors annual lock-in features, flexible risk exposure, and access to high-performing indexes—all with market protection built in.

National Life Group Zenith Income 10 Fixed Indexed Annuity – Income Growth with Protection and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Zenith Income 10 from National Life Group offers powerful lifetime income guarantees, flexible bonus options, and protection from market risk—all from a carrier known for over 175 years of financial strength.

F&G AccumulatorPlus Fixed Indexed Annuity – Growth Potential with Principal Protection & Health Access

Jason Stolz, CLTC, CRPC, DIA, CAA

The AccumulatorPlus FIA from Fidelity & Guaranty Life (F&G) combines indexed growth options, no downside risk, penalty-free access for health events, and a secure legacy death benefit—all in a flexible and transparent structure.

SILAC Denali Fixed Indexed Annuity – Steady Accumulation with Lifetime Income & Health Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Denali FIA offers tiered indexed crediting strategies, principal protection, lifetime withdrawals, and built‑in health event benefits—without annual fees or rider charges.

National Life Group Income Driver 10 Fixed Indexed Annuity – Guaranteed Lifetime Income with Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Income Driver 10 FIA from National Life Group offers lifetime income options, a death-benefit bonus, and principal protection—ideal for those seeking predictable, growing retirement income.

North American NAC Control X Fixed Indexed Annuity – Growth, Control, and Guaranteed Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The NAC Control.X Fixed Indexed Annuity offers strong accumulation potential, innovative growth strategies, and protection from market downturns—all backed by North American, one of the most trusted carriers in the industry.

GBU Future Flex Fixed Indexed Annuity – Flexible Growth, Protected Principal

Jason Stolz, CLTC, CRPC, DIA, CAA

The GBU Future Flex FIA offers a range of index crediting methods, flexible terms, and guaranteed capital protection—ideal for investors seeking tailored growth without downside risk.

Americo Ultimate One Index 9 Fixed Indexed Annuity – Secure Growth, Streamlined Structure

Jason Stolz, CLTC, CRPC, DIA, CAA

The Americo Ultimate One Index 9 FIA offers market-linked growth using the S&P 500 Index, a simple term structure, and strong guarantees—ideal for cautious growth seekers.

Delaware Life Retirement Stages Select Fixed Indexed Annuity – Growth with Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Delaware Life Retirement Stages Select FIA offers tiered indexed crediting strategies and structured guarantees—blending flexibility, growth, and certainty for your retirement timeline.

Midland National RetireVantage Fixed Indexed Annuity – Balanced Growth with Principal Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Midland National RetireVantage FIA offers flexible index strategies and growth potential with guaranteed downside protection—perfect for conservative and growth-focused savers alike.

Integrity Life Indextra Fixed Indexed Annuity – Custom Indexed Growth with Downside Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The Integrity Life Indextra FIA offers tailored index-linked crediting strategies, principal protection, and flexible growth—perfect for balanced retirement planning.

The Standard Index Select Annuity – Locked‑In Growth with Flexible Terms

Jason Stolz, CLTC, CRPC, DIA, CAA

The Standard Index Select Annuity offers structured growth across 5-, 7‑, or 10‑year terms—using multiple index strategies while protecting your principal.

Reliance Standard Secure Growth & Income Annuity – Stability with Income Potential

Jason Stolz, CLTC, CRPC, DIA, CAA

The Reliance Standard Secure Growth & Income Annuity delivers fixed interest accumulation alongside an optional income rider—ideal for those seeking reliability and retirement income.

EquiTrust MarketSeven Indexed Annuity – Smart Growth with Custom Index Options

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketSeven FIA offers flexible index strategies, optional income features, and dependable principal protection.

Midland Accelerate 5 Fixed Index Annuity – Fast-Track Growth with Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The Midland Accelerate 5 FIA offers accelerated growth credits alongside multiple crediting strategies—ideal for those looking to speed up savings.

Global Atlantic ForeAccumulation II Fixed Index Annuity – Growth with Zero Market Risk

Jason Stolz, CLTC, CRPC, DIA, CAA

The Global Atlantic ForeAccumulation II FIA delivers market-indexed growth tied to upside performance—without risking your principal.

EquiTrust MarketMax Index Annuity – Market Upside with Downside Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The EquiTrust MarketMax Index Annuity offers the potential for market-linked growth while protecting your principal—ideal for conservative investors looking for balance.

SILAC Teton Series Fixed Indexed Annuity – Growth with Protection and Flexibility

Jason Stolz, CLTC, CRPC, DIA, CAA

The SILAC Teton Series FIA delivers market-linked growth, a strong premium bonus, and downside protection—combined with flexible liquidity options and health benefits.

GBU Asset Guard Fixed Index Annuity – Growth Potential with Downside Protection

Jason Stolz, CLTC, CRPC, DIA, CAA

The GBU Asset Guard Fixed Index Annuity offers market-linked growth with principal protection, giving you tax-deferred gains and the security of downside floor.

North American BenefitSolutions 10 Fixed Index Annuity – Built-In Benefits for Retirement and Care

Jason Stolz, CLTC, CRPC, DIA, CAA

The BenefitSolutions 10 from North American offers lifetime income, long-term care multipliers, and guaranteed step-ups—all backed by principal protection and tax-deferred growth.

GBU Defined Benefit Annuity – A Smarter Path to Guaranteed Retirement Income

Jason Stolz, CLTC, CRPC, DIA, CAA

The GBU Defined Benefit Annuity offers a simplified, structured approach to retirement savings—locking in a fixed outcome and guided step-by-step toward a guaranteed income goal.

What Makes Fixed Indexed Annuities Different from Fixed Annuities?

Jason Stolz, CLTC, CRPC, DIA, CAA

Both offer principal protection—but the way they grow your money is very different. Here’s what you need to know before choosing.

Can You Get Disability Insurance If You’re Self-Employed?

Jason Stolz, CLTC, CRPC, DIA, CAA

If you run your own business or work as a freelancer, you may wonder if disability insurance is even an option. Good news: it is—and you probably need it more than you think.

5 Signs It’s Time to Review Your Life Insurance Policy

Jason Stolz, CLTC, CRPC, DIA, CAA

Life changes fast—and your life insurance should keep up. Here are the key indicators that it’s time for a policy checkup.

When Fixed Annuities Outperform Market-Based Investments

Jason Stolz, CLTC, CRPC, DIA, CAA

Think you have to take on market risk to grow your money? Think again. Fixed annuities can outperform when safety matters most.

Why You Need Disability Insurance—Even If You’re Young and Healthy

Jason Stolz, CLTC, CRPC, DIA, CAA

Most people think disability insurance is for older workers. The truth? Your earning power is at its peak risk when you’re young.

The Hidden Costs of Waiting to Buy Life Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Delaying life insurance doesn’t just risk coverage—it can dramatically increase your premiums and reduce your options.

Disability Insurance for Executives: Why Income Protection Is Non-Negotiable

Jason Stolz, CLTC, CRPC, DIA, CAA

You’ve worked hard to build your career—but have you protected the one asset that makes it all possible? Your income.

What Most People Get Wrong About Annuities: The Top 5 Myths Debunked

Jason Stolz, CLTC, CRPC, DIA, CAA

Annuities are often misunderstood—but the truth is, many of the most common objections simply don’t hold up under scrutiny.

Why Annuities Are the Best Pension Replacement for Today’s Retirees

Jason Stolz, CLTC, CRPC, DIA, CAA

Traditional pensions may be gone, but that doesn’t mean guaranteed income has to be. Annuities can help you create your own private pension—and give you income for life.

The Truth About Annuities: Breaking Down Common Myths

Jason Stolz, CLTC, CRPC, DIA, CAA

Think annuities are only for old people or that you’ll lose your money when you die? Let’s bust the biggest myths once and for all.

Why Annuities Are the Smartest Life Insurance Alternative for Some Retirees

Jason Stolz, CLTC, CRPC, DIA, CAA

For high-risk applicants or those no longer eligible for life insurance, annuities can provide financial protection, legacy benefits, and tax advantages—without medical underwriting.

What to Know Before Buying a Fixed Annuity

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed annuities are gaining popularity, but before you lock in a rate, make sure you understand these key features and trade-offs.

Do You Still Need Life Insurance After Retirement?

Jason Stolz, CLTC, CRPC, DIA, CAA

Many retirees cancel their life insurance too soon—without realizing how powerful it can be as a legacy, tax, or income tool.

Understanding Annuity Bonuses: What They Are and How They Work

Jason Stolz, CLTC, CRPC, DIA, CAA

If you’ve ever wondered what an “annuity bonus” actually does, this guide breaks it down in plain English—so you can decide if it’s right for your retirement strategy.

Why Your Retirement Strategy Should Include a Guaranteed Income Stream

Jason Stolz, CLTC, CRPC, DIA, CAA

Market-based retirement plans leave your future exposed. Here’s why a guaranteed income source like an annuity should be part of every retirement portfolio.

The Role of Life Insurance in Modern Estate Planning

Jason Stolz, CLTC, CRPC, DIA, CAA

Life insurance can do more than replace income—it can preserve wealth, transfer assets tax-efficiently, and protect your legacy.

What Makes Fixed Indexed Annuities So Popular with Pre-Retirees?

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed indexed annuities offer growth potential without the risk of market losses—an ideal combination for pre-retirees looking for stability and income.

How to Protect Your Family with the Right Life Insurance Policy

Jason Stolz, CLTC, CRPC, DIA, CAA

Choosing the right life insurance policy can be the difference between financial chaos and long-term peace of mind for your family.

How Fixed Annuities Offer Guaranteed Growth Without Market Volatility

Jason Stolz, CLTC, CRPC, DIA, CAA

With interest rates still competitive, fixed annuities offer a reliable way to grow your retirement funds with zero exposure to market risk.

Why Bonus Annuities Could Be the Smartest Move for Your Retirement

Jason Stolz, CLTC, CRPC, DIA, CAA

Upfront bonus annuities offer immediate value—and that could mean tens of thousands of dollars added to your retirement income plan on day one.

Understanding Hybrid Long-Term Care Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Hybrid long-term care insurance combines protection with flexibility—providing benefits even if care isn’t needed.

Are You Leaving Social Security Benefits on the Table?

Jason Stolz, CLTC, CRPC, DIA, CAA

Claiming Social Security at the wrong time can cost you thousands—get expert guidance and avoid costly mistakes.

How Fixed Annuities Help Protect Against Market Volatility

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed annuities offer stability in uncertain times—providing guaranteed growth and peace of mind for retirement savers.

The Hidden Risks of Not Using an Annuity in Retirement

Jason Stolz, CLTC, CRPC, DIA, CAA

Ignoring annuities could leave your retirement vulnerable to market volatility, inflation, and longevity risk.

Understanding Bonus Annuities—Are They Right for You?

Jason Stolz, CLTC, CRPC, DIA, CAA

Bonus annuities offer upfront incentives, but do they make sense for your retirement strategy?

How to Choose the Right Annuity Based on Your Retirement Timeline

Jason Stolz, CLTC, CRPC, DIA, CAA

Not all annuities are created equal—especially when it comes to your retirement timeline.

What If You’re Denied Life Insurance? Here’s What to Do Next

Jason Stolz, CLTC, CRPC, DIA, CAA

Being declined for life insurance isn’t the end—it’s a signal to explore high-risk or specialty carriers.

Can You Still Get Long-Term Care Insurance After Age 60?

Jason Stolz, CLTC, CRPC, DIA, CAA

It’s not too late to secure long-term care coverage, but your age, health, and strategy matter more than ever.

Why Fixed Annuities Are the Hidden Gem of Retirement Planning

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed annuities offer stability and guaranteed returns, yet many retirees overlook them in favor of riskier strategies.

What Is Special Needs Life Insurance and Who Needs It?

Jason Stolz, CLTC, CRPC, DIA, CAA

Special Needs Life Insurance helps families plan for the long-term care and financial security of a loved one with a disability.

Should You Annuitize or Use an Income Rider? Key Differences Explained

Jason Stolz, CLTC, CRPC, DIA, CAA

Understanding the difference between annuitization and income riders is key to building predictable retirement income.

Are Annuities a Smart Move When Interest Rates Are High?

Jason Stolz, CLTC, CRPC, DIA, CAA

High interest rates can make fixed annuities more attractive—but timing and contract selection are key.

Should You Consider a Lifetime Income Rider on Your Annuity?

Jason Stolz, CLTC, CRPC, DIA, CAA

A lifetime income rider can turn your annuity into a guaranteed income stream you can’t outlive—without giving up control of your assets.

Why More Retirees Are Choosing Multi-Year Guaranteed Annuities (MYGAs)

Jason Stolz, CLTC, CRPC, DIA, CAA

MYGAs offer guaranteed interest, tax-deferred growth, and zero market exposure—making them a favorite for conservative retirees.

How 1035 Exchanges Work in Annuity Planning

Jason Stolz, CLTC, CRPC, DIA, CAA

A 1035 exchange lets you move from one annuity to another—tax-deferred—when your financial needs change.

Should You Use a Fixed Indexed Annuity for Growth and Income?

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed indexed annuities offer protection, growth potential, and the option for guaranteed income.

Do You Need Life Insurance If You’re Single with No Kids?

Jason Stolz, CLTC, CRPC, DIA, CAA

Even if you’re single and child-free, life insurance can still serve important financial purposes.

When Should You Start Taking Social Security Benefits?

Jason Stolz, CLTC, CRPC, DIA, CAA

The age you claim Social Security can impact your lifetime benefits by tens of thousands of dollars.

What Is Accidental Death Insurance and Who Needs It?

Jason Stolz, CLTC, CRPC, DIA, CAA

Accidental death insurance offers affordable protection for unexpected tragedies—and peace of mind for your family.

How to Use a Roth Conversion with an Annuity for Tax-Free Retirement Income

Jason Stolz, CLTC, CRPC, DIA, CAA

Roth conversions paired with annuities can help you create tax-free income and reduce your RMD exposure in retirement.

The Power of Laddering Fixed Annuities for Retirement Income

Jason Stolz, CLTC, CRPC, DIA, CAA

Laddering fixed annuities creates predictable income while maintaining access to your savings over time.

Common Mistakes People Make When Buying Life Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Avoiding these mistakes can save you thousands—and help ensure your family is truly protected.

How Indexed Annuities Work and Who Should Consider Them

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed indexed annuities offer the potential for growth linked to the market—without risking your principal.

Understanding Multi-Year Guaranteed Annuities (MYGAs)

Jason Stolz, CLTC, CRPC, DIA, CAA

MYGAs offer guaranteed rates with no market exposure—making them ideal for conservative investors.

Do I Still Need Life Insurance in Retirement?

Jason Stolz, CLTC, CRPC, DIA, CAA

Many retirees think they no longer need life insurance—but that’s not always true.

The Role of Buy-Sell Life Insurance in Business Continuity

Jason Stolz, CLTC, CRPC, DIA, CAA

A properly funded buy-sell agreement can save your business if a partner or owner dies unexpectedly.

How Short-Term Health Insurance Can Bridge the Gap Between Coverage

Jason Stolz, CLTC, CRPC, DIA, CAA

Short-term medical insurance offers fast, affordable protection when you’re between major plans.

What Is Key Person Insurance and Does Your Business Need It?

Jason Stolz, CLTC, CRPC, DIA, CAA

If your business would struggle to survive the loss of one person—you need key person life insurance.

Is Long-Term Care Insurance Worth the Cost?

Jason Stolz, CLTC, CRPC, DIA, CAA

With care costs rising, many families wonder if LTC insurance is still a smart investment.

When Does It Make Sense to Use a Bonus Annuity?

Jason Stolz, CLTC, CRPC, DIA, CAA

Bonus annuities can give your retirement savings a powerful head start—if used wisely.

How to Spot Red Flags When Choosing an Insurance Agent

Jason Stolz, CLTC, CRPC, DIA, CAA

Not all agents have your best interest in mind—here’s what to watch out for.

How to Use Life Insurance to Fund a College Savings Plan

Jason Stolz, CLTC, CRPC, DIA, CAA

You can use permanent life insurance to save for college—without hurting your financial aid eligibility.

Understanding the Difference Between Term Life and Accidental Death Insurance

Jason Stolz, CLTC, CRPC, DIA, CAA

Not all life insurance is created equal—here’s how term life and accidental death policies differ.

How Accidental Death Insurance Fills a Crucial Gap

Jason Stolz, CLTC, CRPC, DIA, CAA

Accidental death insurance provides low-cost protection when the unexpected happens.

What Is Burial Insurance and Who Needs It?

Jason Stolz, CLTC, CRPC, DIA, CAA

Burial insurance provides peace of mind and financial relief during one of life’s most difficult moments.

Why Fixed Annuities Are a Smart Choice in Volatile Markets

Jason Stolz, CLTC, CRPC, DIA, CAA

Fixed annuities offer safe, predictable growth when markets are uncertain.

Your Annuity Payout Choice Impacts Retirement Income

Jason Stolz, CLTC, CRPC, DIA, CAA

Your payout selection could mean the difference of thousands in lifetime income. Here’s how to make the right choice.

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