In this real-life case study, a 51-year-old beneficiary inherited a $322,000 non-qualified annuity with $172,000 of taxable gain. After being told by the insurance company that only a lump sum or five-year payout were available, an independent review by LIR uncovered a third option: a 1035 exchange into a Non-Qualified Stretch Annuity. Learn how this strategy helped minimize beneficiary taxes, preserve flexibility, and provide greater long-term financial planning opportunitie

Many agents are selling life insurance, annuities, disability, and LTC policies based on outdated or self-serving advice. The new OBBB Act changes the tax landscape, reducing the need for many of these products — yet the sales push continues. LifeInsuranceReview.com offers independent, fiduciary policy reviews to help you avoid being sold and start making decisions in your best interest.