Menu
Consultation
800-533-5969

Insurance and Annuity Deep Dives

Explore expert-written deep dives across all our core offerings at Diversified Insurance Brokers. This blog covers everything from annuities and life insurance to Medicare, long-term care, short-term health, disability, and burial insurance. You’ll find detailed product reviews, strategic planning tips, underwriting insights, and retirement income solutions—designed to help you protect your future, grow your savings, and make confident decisions. Whether you’re evaluating coverage, comparing carriers, or preparing for retirement, this is your go-to source for guidance you can trust.

National Guardian Life Insurance Company Long Term Care Insurance

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.

Read more

Mass Mutual CareChoice Hybrid Life-Long Term Care Insurance

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.

Read more

Lincoln Financial MoneyGuard Hybrid Life-Long Term Care Insurance

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.

Read more

Brighthouse Financial SmartCare Hybrid Life-Long Term Care Insurance

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.

Read more

Securian Financial Secure Care Hybrid Life-Long Term Care Insurance

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.

Read more

One America AssetCare and AnnuityCare Hybrid Long Term Care Insurance

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.

Read more

Nationwide CareMatters Hybrid Long Term Care Insurance

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.

Read more

Mutual of Omaha MutualCare Long Term Care Insurance

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.

Read more

Thrivent Financial Long Term Care Insurance

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.

Read more

Revol One Breakthrough Annuity Account MYGA

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.”

Read more

Mass Mutual Whole Life Insurance

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.

Read more

Cincinnati Life Portfolio MYGA Annuity

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.

Read more

Global Atlantic ForeLifetime Income Fixed Index Annuity

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.

Read more

The Standard Platinum Advantage Disability Insurance

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.

Read more

Petersen International-Lloyds of London Disability Insurance

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.

Read more

Mass Mutual Radius Choice Disability Insurance

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.

Read more

Principal Income Protector Disability Insurance

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.

Read more

Ameritas Dinamic Cornerstone Disability Insurance

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.

Read more

Guardian Life Provider Choice Disability Insurance

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.

Read more

The Standard Thrive Plus Fixed Indexed Annuity

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.

Read more

Prosperity Life Path Way Fixed Indexed Annuity

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.

Read more

AuguStar Omega Bonus Plus Fixed Indexed Annuity

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.

Read more

Trellis Financial Perennial 10 Fixed Indexed Annuity

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.

Read more

Knighthead Life Chartline Bonus Fixed Indexed Annuity

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.

Read more

RevolOne AccumRev Fixed Indexed Annuity

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.

Read more

Liberty Bankers Heritage Elite

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.

Read more

Sentinel Security Personal Choice MYGA

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.

Read more

Lincoln Financial OptiBlend Lifetime Income Annuity

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

Read more

North American Charter Plus Fixed Indexed Annuity

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.

Read more

Heartland National Secure Retirement 10 Fixed Indexed Annuity

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.

Read more

Nationwide Peak 10 Fixed Indexed Annuity

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.

Read more

Heritage Growth Advantage Plus Fixed Indexed Annuity

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.

Read more

Heritage Growth Advantage Fixed Indexed Annuity

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.

Read more

Permanent Life Insurance

Permanent life insurance is designed to do two things at once: provide a life insurance death benefit that can last for your entire lifetime, and build a form of policy value (often called cash value) that can be accessed under certain rules. For many families, the appeal is simple: you don’t want coverage that expires at age 70 or 80,

Read more

Ceres Life MYGA

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.

Read more

Ceres Life Graybar Ascend

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.

Read more

Ceres Life Graybar IncomePlus

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.

Read more

Talcott EverGuard Aspire Annuity

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.

Read more

Talcott EverGuard Assurance Annuity

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.

Read more

Mountain Life Secure Summit Annuity

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.

Read more

Join over 100,000 satisfied clients who trust us to help them achieve their goals!

Address:
3245 Peachtree Parkway
Ste 301D
Suwanee, GA 30024

Open Hours:
Monday    8:30AM - 11:00PM
Tuesday   8:30AM - 11:00PM
Wednesday 8:30AM - 11:00PM
Thursday  8:30AM - 11:00PM
Friday    8:30AM - 11:00PM
Saturday  8:30AM - 11:00PM
Sunday    8:30AM - 11:00PM

CA License #6007810
Facebook
Twitter/X
Instagram
LinkedIn
jason@dibcompanies.com
800-533-5969

Services

Insights

Annuities

About Us

Site Map

Best of Georgia Nominee

Diversified Insurance Brokers, Inc. is a licensed insurance agency. National Producer Number (NPN): 9207502. Licensed in states where required. In California, Diversified Insurance Brokers, Inc. operates under CA License No. 6007810.

© Diversified Insurance Brokers, Inc. All rights reserved. All content on this website, including articles, educational materials, and marketing content, is the property of Diversified Insurance Brokers, Inc. and is protected by applicable copyright laws.

Content may not be reproduced, distributed, or used without prior written permission.

Information provided on this website is for general educational purposes and is intended to assist in learning about insurance and financial planning topics.

Designed by Apis Productions