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DIA Key Features:

  • No annual fees
  • Simplistic & efficient design
  • Can be used in an IRA or non-IRA account
  • Tax preferable income stream in a non-IRA account
  • Can be set up as joint payment with spouse
  • Customizable for lifetime income, period certain, or both
  • Large carrier participation
  • 100% principal protection
  • COLA (Cost of Living Adjustment) or CPI-U (Consumer Price Index) increases to the income stream can be added to the policy at the time of application
  • QLAC DIA structure can be used in Traditional IRAs
  • Low (built in) commission to the agent