Prosperity Life Path Way Fixed Indexed Annuity
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. Here is the honest headline: the PathWay Series is a well-constructed income annuity with a genuinely flexible income design and a strong lineup of crediting strategies, but it is also one of the more layered products in its category. There are two versions of the contract, two entirely separate values it tracks, two different bonuses that go to two different places, and three income options you choose from on day one. Understanding those layers is the difference between buying this contract for what it actually does and buying it for a headline number.
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Start with what this product is and is not. The PathWay Series is fundamentally an income annuity — its purpose is to grow a value used to calculate guaranteed lifetime income and then pay that income for as long as you live, through a built-in Guaranteed Lifetime Withdrawal Benefit rider. It also protects your principal from market declines and offers a menu of index strategies for growth. But the income engine is the heart of it, and any honest evaluation judges it on the income it produces. It is a strong fit for someone who wants dependable lifetime income they cannot outlive and who can commit a sum of money for the length of the contract. It is a poor fit for someone whose main goal is short-term liquidity or pure accumulation, and understanding that up front saves a lot of confusion later.
This page walks through the whole contract: the two versions and how to think about the premium bonus that separates them, the crucial two-value structure, the three income options and how their roll-up designs differ, the crediting strategies and allocation choices, the full cost and liquidity picture including the surrender and recapture schedules, the death benefit and health-event protections, the carrier behind it, and an honest read on who it fits. The goal is that you can evaluate a PathWay illustration critically rather than on a bonus percentage alone.
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Two Versions: PathWay and PathWay Max
The first thing to understand is that “Prosperity PathWay Series” is not one product but two closely related ones, and the difference between them is the single most important choice you make before anything else.
Prosperity PathWay is the straightforward version. It offers the crediting strategies, the income rider, and the protections without an upfront premium bonus on your account value. Because it does not fund a bonus, it generally carries higher caps and participation rates on its index strategies — meaning more of any index gain reaches your money.
Prosperity PathWay Max adds a premium bonus that credits an extra percentage to your accumulation value up front. That sounds unambiguously better, but it is a trade rather than a gift. To fund that bonus, PathWay Max generally carries lower caps and participation rates than the standard version — the product materials state this directly. So the Max version starts you with a larger account value but credits you less on your index gains over time, while the standard version starts smaller but earns more per unit of index growth. Which one comes out ahead depends entirely on the specific rates, your time horizon, and your income timing, and it is precisely the kind of comparison a headline bonus obscures. Our overview of bonus annuity pros and cons explains why a bonus is never truly free, and running both versions side by side is the only way to know which serves you better.
There is a second catch on the Max version worth flagging now and detailing later: the premium bonus is subject to recapture if you withdraw more than your penalty-free amount or surrender early. In the early contract years, that recapture can claw back most or all of the bonus — so the bonus is best understood as a reward for holding the full term, not money you can access on day one.
The Most Important Concept: Two Separate Values
If you take away one idea from this page, make it this one, because it is the concept people most often misunderstand in any income annuity. The PathWay Series tracks two entirely separate values, and confusing them leads to real disappointment.
The Accumulation Value is your actual money. It grows through fixed and indexed interest crediting, it is what you can surrender for, it is what charges are deducted from, and it is what your beneficiaries receive as a death benefit. It is the real, spendable account.
The Income Base is a calculation figure used for one purpose only: determining how much guaranteed lifetime income you will receive. It is not a bank account. It cannot be withdrawn as a lump sum. It is not what your beneficiaries receive. It exists solely to be multiplied by a withdrawal percentage to produce your annual income, and the product materials are explicit that it cannot be taken out of the contract.
This distinction is what makes the two bonuses on this product make sense, because they go to different places entirely. The premium bonus on PathWay Max is added to your Accumulation Value — your real money. The rider bonus, which both versions include, is added only to your Income Base — it increases your future income calculation but is not money you can withdraw, and it can only ever be accessed by turning on lifetime income payments. Keeping these straight is essential: one bonus grows your account, the other grows your income calculation, and they are not interchangeable. Our explanation of how annuity income riders work and of how annuity income bonuses function covers this two-value structure across products.
The Three Income Options
The most distinctive feature of the PathWay Series is that its Guaranteed Lifetime Withdrawal Benefit rider comes in three versions, and you choose one at the time you buy based on your timeline and priorities. They differ in how long the Income Base grows, how fast it grows, whether that growth compounds, and whether there is an annual charge. This is a genuinely useful design, because it lets the contract fit very different retirement timelines — but it also means the choice you make on day one shapes everything that follows.
| Income Option | Roll-Up Period | How the Income Base Grows | Annual Rider Charge | Generally Suits |
|---|---|---|---|---|
| Option 1 | 15 years | Compound interest, credited daily. | None. | Fee-sensitive buyers who value simplicity over a shorter horizon. |
| Option 2 | 10 years, with a one-time restart available after year five. | Simple interest at a higher headline rate, credited daily. | Yes. | Those nearing retirement wanting strong near-term income. |
| Option 3 | 20 years | Compound interest at a mid rate, credited daily. | Yes. | Those with a long runway who want to maximize eventual income. |
The design logic is worth understanding rather than just reading off the table. Option 1 credits compound interest for fifteen years and carries no annual rider charge, which makes it the low-cost, simple choice — its lower roll-up rate is offset by the absence of a fee and the power of compounding over a long period. Option 2 uses a high simple-interest roll-up over ten years and includes a valuable restart feature that can extend the roll-up once after the fifth year; it carries an annual charge and is oriented toward someone who wants strong income within a roughly ten-year window. Option 3 uses a mid-rate compound roll-up over a full twenty years and also carries a charge; it is built for someone with a long time horizon who wants to maximize the eventual income base.
A key technical distinction runs through these: simple versus compound interest. Option 2’s roll-up is simple, meaning it credits a fixed amount each year based on your premium plus rider bonus rather than on a growing base. Options 1 and 3 compound, meaning the growth builds on itself over time. A high simple rate can outpace a lower compound rate in the early years, while compounding tends to win over longer periods — which is exactly why the option with the highest headline roll-up rate has the shortest roll-up period, and the longest-horizon option uses compounding at a lower rate. There is no universally best option; there is only the one that best matches your timeline, your need for income, your sensitivity to the annual charge, and whether you value the restart flexibility. This is precisely the analysis worth doing carefully before you buy, because the election is made on day one. Our overview of lifetime income annuities covers how roll-up mechanics translate into income.
Three income options, chosen on day one. Let us model which one produces the most income for your timeline.
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How Your Income Actually Works
Once you decide to begin income, your annual payment is your Income Base multiplied by a guaranteed withdrawal percentage tied to your age, and it continues for life. Income can begin after a short waiting period once you have reached the minimum payout age, and you elect either a single-life payout covering you alone or a joint payout covering you and your spouse.
The joint election matters for couples and deserves a deliberate decision rather than a quick one. Choosing joint income covers both spouses for as long as either lives, so the surviving spouse keeps receiving income — but the guaranteed percentage is generally based on the younger spouse’s age, which affects the payment. For a couple where one spouse would face hardship without the income, joint coverage is often the right answer even at a somewhat lower payment, because the purpose is security. Our overview of joint lifetime income annuities covers that trade-off.
Two features strengthen the income promise. There is an Accumulation Value step-up: after income begins, on each contract anniversary the Income Base increases to match your Accumulation Value if that value is higher, before your payment is recalculated — so strong index performance can raise your guaranteed income even after payments start. And the income continues for life even if the account is eventually depleted, which is the core guarantee and the reason the product exists. Because this is a withdrawal-based structure rather than traditional annuitization, it also preserves more flexibility and access to any remaining account value than annuitizing would; our comparison of annuitization versus lifetime withdrawals explains why that distinction matters.
The Enhanced Income Benefit for Health Events
The PathWay Series includes a benefit that increases your income if your health declines, which addresses the moment when retirement expenses most often spike. If you or, under a joint election, your spouse become unable to perform two activities of daily living, require substantial supervision, or are confined to a qualifying care facility, the guaranteed income can be increased to an enhanced amount for as long as you qualify, subject to a waiting period and the contract’s eligibility conditions.
This is a meaningful feature because it targets exactly the kind of care-related cost that strains retirement budgets, and it is built into the income rider rather than sold separately. As always, it should be understood as a helpful enhancement to an income contract rather than a substitute for dedicated long-term care coverage, which solves a broader problem — but as a feature on a contract you were buying for income anyway, it adds genuine value. The contract also includes separate confinement and terminal-illness waivers on the accumulation side, covered below, that allow access to your account value in those circumstances.
How Your Money Grows: Crediting Strategies
While income is the headline, your Accumulation Value is the money that actually belongs to you, so how it grows affects your death benefit, your surrender value, and how long the account sustains itself once income begins.
The PathWay Series offers a fixed-interest account plus a lineup of index-linked strategies built on a diverse set of indexes — a broad U.S. equity index using a cap, and several others using participation rates, including AI-driven, technology-and-commodity, commodity, diversified-with-gold, intraday-volatility-controlled, and risk-managed U.S. equity strategies. You can build your allocation two ways: through preset options (offered in growth, balanced, and conservative models that spread across several strategies), or through custom allocation, which lets you build your own mix and includes one additional index strategy not available in the presets. Allocations must total 100 percent, and the preset and custom approaches cannot be combined.
Understanding the two limiting mechanisms is essential to evaluating any indexed annuity. A cap rate sets the maximum interest credited for the period regardless of how far the index rises. A participation rate instead credits a defined percentage of the index’s gain with no ceiling, which behaves very differently in a strong year. Several of this product’s strategies are built on volatility-controlled indexes engineered to move more smoothly, which typically allows a higher participation rate applied to steadier movement. Our explanation of how annuities earn interest covers why insurers use these mechanisms.
Two honest points about the growth side. First, the declared caps, participation rates, and fixed rate are set by the carrier and change over time, so any figures you are quoted are current rather than guaranteed for the life of the contract, and confirming them at the time you apply is essential. The contract does specify minimum renewal floors below which those rates cannot fall, which provides a measure of protection. Second, and importantly for expectations: on PathWay Max, electing the premium bonus lowers these caps and participation rates, and on either version, once income begins and any rider charge is deducted, the realistic role of index crediting is to support your account and slow its depletion rather than to build substantial wealth. This is an income product; a buyer expecting significant accumulation has chosen the wrong tool, and our overview of fixed indexed annuity pros and cons sets realistic expectations for the category.
Cost, Liquidity, and the Schedules to Understand
Every annuity has costs and access rules, and the honest way to evaluate one is to understand them together rather than focusing on whichever number is emphasized.
The rider charge depends on which income option you choose. Option 1 carries no annual rider charge at all, which is a genuine advantage of that choice. Options 2 and 3 carry an annual charge deducted from your Accumulation Value each year the rider is in force. That charge is the price of the stronger roll-up structures those options provide, and it needs to be weighed honestly against the benefit — which is exactly the kind of comparison we run.
The surrender schedule runs for either ten or fourteen years depending on the contract term you select, with charges that decline over the period. The early-year charges are steep, and on the fourteen-year contract in particular they begin well into the double digits — a serious commitment that makes this money you must be able to leave alone for the full term. A market value adjustment also applies during the surrender period to withdrawals beyond the penalty-free amount, and can move your proceeds up or down based on how interest rates have shifted since purchase; it does not apply to penalty-free withdrawals, income payments, the death benefit, or withdrawals after the surrender period ends.
The premium bonus recapture applies only to PathWay Max, and it is significant enough to state plainly. If you take more than your penalty-free amount or surrender early, the contract recaptures a percentage of the premium bonus it credited. On the ten-year contract this recapture starts high and declines; on the fourteen-year contract it can recapture the entire bonus for the first several years. This is why the premium bonus should be understood as earned by holding the contract, not received on day one — take the money out early and much of the bonus comes back with it.
Liquidity features soften the long schedule. Beginning in the second contract year you may withdraw up to ten percent of your value annually without a surrender charge or market value adjustment. Required minimum distributions on qualified contracts are available without surrender charges, market value adjustment, or premium bonus recapture, which is genuinely useful for buyers using retirement money — and importantly, taking an RMD is not treated as an excess withdrawal that would harm your income rider. Our overview of how required minimum distributions work explains the broader rules.
One caution that runs through all of this: after income begins, withdrawing more than your rider allows counts as an excess withdrawal, which can reduce your future guaranteed income and, if large enough, can even terminate the rider. The income rider is designed to be used as income, not as a source of large lump sums, and understanding that boundary is part of using the contract well.
Death Benefit and Health-Event Access
The PathWay Series includes a straightforward and favorable death benefit: beneficiaries receive the Accumulation Value as of the date of death, without deduction for any surrender charge, market value adjustment, or premium bonus recapture. If your spouse is the sole primary beneficiary, spousal continuation is available, allowing your spouse to continue the contract rather than take a distribution.
The critical point, consistent with the two-value structure, is what beneficiaries do not receive: the Income Base. However large that figure has grown through the roll-up and rider bonus, it exists only to calculate income for a living owner and is not part of the death benefit. A contract that has been paying income for years will pass along an Accumulation Value reduced by those withdrawals and any charges. This is the correct design for an income product, but it means the PathWay Series is built to pay income to a living owner rather than to maximize a legacy. Our overview of annuity beneficiary death benefits explains how these provisions work across contracts.
On the accumulation side, two waivers provide access to your full account value in serious circumstances: a confinement waiver, available if you are confined to a qualifying care facility for a sustained period, and a terminal-illness waiver. Both allow withdrawal of up to the full Accumulation Value without surrender charge, market value adjustment, or premium bonus recapture, subject to the contract’s proof and eligibility conditions. These are separate from the enhanced income benefit described earlier and address the accumulation account rather than the income stream.
The Carrier Behind the Contract
An annuity’s guarantees rest on the financial strength of the issuing insurer, so the carrier matters. The PathWay Series is issued by S.USA Life Insurance Company, part of Prosperity Life Group, an insurance group whose member companies carry a foundation dating back more than a century. The issuing company is an Arizona-domiciled insurer.
On financial strength, the issuing company has been assigned an A− rating from each of three independent rating agencies — AM Best, S&P Global, and Kroll — as of the most recent ratings we reviewed. An A− is a solid rating in the secure range, indicating a strong ability to meet ongoing obligations; it is not the very top of the scale, but the consistency across three agencies is itself a reasonable signal. Because ratings are periodically reviewed and can change, confirming the current ratings at the time you apply is worth doing, and our explanation of what an AM Best rating means helps you interpret the scale. As with any annuity, there is also a secondary backstop through your state’s guaranty association, with coverage limits that vary by state — covered in our overview of the state guaranty association system.
One practical availability note: the PathWay Series is not offered in every state. At the time of writing, the issuing company is not authorized in New York or Connecticut, so residents of those states generally cannot purchase this contract. State availability changes as products are filed and approved, so confirming the product is available where you live is a sensible first step.
Who the PathWay Series Fits — and Who It Does Not
A product review is only useful if it helps you decide, so here is our candid assessment.
The PathWay Series fits well if guaranteed lifetime income is your primary objective and you can commit money for the length of the contract. Its three income options make it unusually adaptable to different timelines — a shorter horizon, a long runway, or a fee-sensitive preference each have a natural home among the three. It fits well if you value income you cannot outlive, if the enhanced income and confinement protections are meaningful to your situation, and if you are funding with qualified money and value the RMD-friendly design. And the choice between PathWay and PathWay Max lets you tune the bonus-versus-crediting trade to your preference, provided you understand that trade.
It fits poorly if your main goal is accumulation, because the crediting limits and any rider charge mean it is not built to grow your account substantially. It fits poorly if you may need significant liquidity within the surrender period beyond the penalty-free allowance, particularly on the fourteen-year contract where the early surrender charges and, on Max, the premium bonus recapture are steep. It fits poorly if maximizing a legacy is the goal, since beneficiaries receive the Accumulation Value rather than the Income Base. And it fits poorly if you were drawn in mainly by a bonus figure and expected it to be immediately and freely yours — in which case the product is not wrong, but your understanding of it needs adjusting first.
There is also a middle category worth naming. Some buyers for whom this product would work might be better served by something simpler. If you want a guaranteed rate with no moving parts, a multi-year guaranteed annuity is a far simpler instrument. If you want maximum income and neither liquidity nor a death benefit matters, a plain income annuity may pay more per dollar. The right question is never whether the PathWay Series is good in the abstract, but whether it is the best available answer to your specific objective, which is the heart of genuine annuity suitability.
How We Evaluate the PathWay Series for You
We know this contract in detail — both versions, all three income options, both bonuses, the crediting strategies, and the schedules — and that depth is exactly why our recommendation is never automatic.
Our process starts with your objective rather than the product. If you want guaranteed lifetime income and can commit the money, the PathWay Series belongs in the comparison, and we work out which version and which income option actually fit your timeline. We show you what the premium bonus on Max is worth to you net of its lower caps and its recapture schedule, so the bonus-versus-crediting trade is made on numbers rather than instinct. We model the three income options against your specific age and income timing, because the option with the highest headline roll-up is not automatically the one that pays you the most. And we make sure you understand the two-value structure, the surrender and recapture schedules, and the excess-withdrawal boundary completely, so you buy the contract with clear eyes.
Then we compare it against the field. Because we represent many carriers, we can put the PathWay Series alongside competing income annuities and show you which produces more guaranteed income per dollar for your situation — the only test that matters for an income annuity, and one a strong bonus does not automatically win. If you are funding from an existing annuity, we handle the 1035 exchange carefully and weigh whether the move is even worth it, since exit costs on your current contract have to be justified by the new one. And because our compensation does not depend on steering you toward any particular product, that assessment reflects what we actually find. If you have already been shown a PathWay illustration and want an independent read on whether it is genuinely your best option, that is exactly what our second-opinion review is for — including the realistic outcome that we confirm it is a strong choice and tell you to proceed.
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What is the difference between Prosperity PathWay and PathWay Max?
They are two versions of the same fixed indexed annuity, and the difference is the premium bonus — but that difference is a trade rather than a straightforward upgrade. Standard PathWay has no premium bonus on your account value, and because it does not fund a bonus, it generally carries higher caps and participation rates, meaning more of any index gain reaches your money. PathWay Max adds an upfront premium bonus to your accumulation value, which sounds better, but to fund that bonus it generally carries lower caps and participation rates — the product materials state this directly. So Max starts you with a larger account but credits you less on index gains over time, while the standard version starts smaller but earns more per unit of index growth. Which comes out ahead depends on the specific rates, your time horizon, and your income timing, and a headline bonus percentage cannot tell you which wins. There is also a second catch on Max: the premium bonus is subject to recapture if you withdraw more than your penalty-free amount or surrender early, and in the early years that recapture can claw back most or all of it — especially on the fourteen-year contract, where it can recapture the entire bonus for the first several years. So the bonus is best understood as a reward for holding the contract its full term, not money you can access on day one. Our overview of bonus annuity pros and cons explains why a bonus is never truly free.
What is the Income Base, and can I withdraw it?
No — and understanding why is the single most important thing about this or any income annuity. The PathWay Series tracks two entirely separate values. Your Accumulation Value is your actual money: it grows through interest crediting, it is what you can surrender for, and it is what your beneficiaries receive as a death benefit. The Income Base is a calculation figure used for one purpose only — determining how much guaranteed lifetime income you will receive. It is not a bank account, it cannot be withdrawn as a lump sum, and it is not what your beneficiaries receive. It exists solely to be multiplied by a withdrawal percentage to produce your annual income. This distinction is what makes the product’s two bonuses make sense, because they go to different places. The premium bonus on PathWay Max is added to your Accumulation Value — your real money. The rider bonus, which both versions include, is added only to your Income Base — it increases your future income calculation but is not money you can withdraw, and it can only be accessed by turning on lifetime income payments. Keeping these straight is essential: one bonus grows your account, the other grows your income calculation, and they are not interchangeable. If you die before or during income, your beneficiaries receive the Accumulation Value, not the Income Base — however large the Income Base has grown, it is not part of the death benefit. Our overview of how annuity income riders work covers this structure.
How do the three income options differ, and which is best?
The PathWay Series lets you choose one of three versions of its Guaranteed Lifetime Withdrawal Benefit rider on the day you buy, and they differ in how long the Income Base grows, how fast, whether that growth compounds, and whether there is an annual charge. Option 1 credits compound interest over a fifteen-year roll-up period and carries no annual rider charge, making it the low-cost, simpler choice — its lower rate is offset by the absence of a fee and the power of compounding. Option 2 uses a high simple-interest roll-up over ten years, carries an annual charge, and includes a valuable one-time restart feature that can extend the roll-up after the fifth year; it suits someone wanting strong income within roughly a ten-year window. Option 3 uses a mid-rate compound roll-up over a full twenty years and also carries a charge, built for someone with a long runway who wants to maximize the eventual income base. A key distinction runs through these: simple versus compound interest. Option 2’s simple roll-up credits a fixed amount each year, while Options 1 and 3 compound and build on themselves — which is exactly why the highest headline rate has the shortest period and the longest-horizon option uses compounding at a lower rate. There is no universally best option; there is only the one that matches your timeline, your income needs, your sensitivity to the annual charge, and whether you value the restart flexibility. Because the choice is locked in on day one, it is worth modeling carefully before you buy. Our overview of lifetime income annuities explains how roll-up mechanics translate into income.
What does the PathWay Series cost, and how accessible is my money?
The main cost depends on your income option: Option 1 carries no annual rider charge, while Options 2 and 3 carry an annual charge deducted from your Accumulation Value each year, which is the price of their stronger roll-up structures. Beyond the rider charge, the surrender schedule runs for either ten or fourteen years depending on the term you choose, with charges that decline over time but begin steep — especially on the fourteen-year contract, where early-year charges start well into the double digits. A market value adjustment also applies during the surrender period to withdrawals beyond the penalty-free amount, moving your proceeds up or down based on interest rate changes; it does not apply to penalty-free withdrawals, income payments, the death benefit, or withdrawals after the surrender period. On PathWay Max specifically, a premium bonus recapture applies if you exceed your penalty-free amount or surrender early, and on the fourteen-year contract it can recapture the entire bonus for the first several years. On the access side, beginning in the second contract year you may withdraw up to ten percent of your value annually without a surrender charge or market value adjustment, and required minimum distributions on qualified contracts are available without surrender charges, market value adjustment, or bonus recapture — and taking an RMD does not count as an excess withdrawal against your income rider. One boundary to understand: after income begins, withdrawing more than your rider allows is an excess withdrawal that can reduce future income and, if large enough, terminate the rider. Fund this contract only with money you can leave alone for the term. Our explanation of how surrender charges work covers planning around them.
Who is the Prosperity PathWay Series right for?
It fits well if guaranteed lifetime income is your primary objective and you can commit money for the length of the contract. Its three income options make it unusually adaptable — a shorter horizon, a long runway, or a fee-sensitive preference each have a natural home among them — and the choice between the standard and Max versions lets you tune the bonus-versus-crediting trade to your preference. It also suits someone who values income they cannot outlive, who would benefit from the enhanced income and confinement protections, or who is funding with qualified money and values the RMD-friendly design. It fits poorly if your main goal is accumulation, because the crediting limits and any rider charge mean it is not built to grow your account substantially. It fits poorly if you may need significant liquidity within the surrender period beyond the penalty-free allowance, particularly on the fourteen-year contract where early surrender charges and, on Max, premium bonus recapture are steep. It fits poorly if maximizing a legacy is the goal, since beneficiaries receive the Accumulation Value rather than the Income Base. And it fits poorly if you were drawn in mainly by a bonus figure and expected it to be immediately and freely yours. There is also a middle category: some buyers would be better served by something simpler, such as a multi-year guaranteed annuity if they just want a guaranteed rate, or a plain income annuity if they want maximum income per dollar with no other features. The right test is always which product best answers your specific objective.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, and contributions from his agency featured in Kiplinger and GoBankingRates— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Explore More Annuity Options: Browse our complete guide to What Is a Fixed Indexed Annuity? — covering FIA education, carrier products, income riders & indexed annuity strategies from 100+ carriers.
Last Reviewed: July 29, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc. | NPN: 14374308 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
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