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Are there annuities which would be appropriate for people in their late 80's and possibly medi-cal compatible? If not what about other insurance products?
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I assume you are looking at annuities for the income per month. Annuities for those in the late 80's are not appropriate unless the surrender charges are minimal. Because of age and health status, those in their late 80"s are not eligible for life insurance or Long-tem Care or other insurance products. My recommendation is to keep the money in short-term, liquid, income-producing investments like Certificates of Deposit.
Without more information on your financial situation, this response is the best I can do. I am assuming that you may need of cash for health reasons. Therefore, having available cash will be the investment to take care of health emergencies. Ralph Penny, CFP
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Thank you for your question. Regarding the availability of annuities and/or other insurance products available for you requires careful consideration of your objectives and needs. Can you be a little more specific in terms of what you are looking to do. Without this, I can only tell you that there are limited options that are available for you.
Our focus in exploring how we can assist you would be to first evaluate your existing budgetary needs and tax situation, and then consider what you are looking to achieve in the near term and then longer term.
We are a full service financial planning firm and have been handling insurance and other financial and tax situations for over 25 years. I would be happy to assist you with your annuity and other insurance needs. My name is Richard Freiberg, and you can contact me either through ZOOMNIA or directly at (914)923-5084.
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