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The major themes behind the products used by the Sterling VA Recovery Plan for the secondary sale include:

• Guarantees
• Long Term Care
• Fixed Annuities
• Indexed Annuities
• Bonus Fixed Annuities
• Life Insurance

All our products include some if not all of these major insurance areas.

LOSS --- If your prospective insured has a VA in a loss position these are the products we recommend:

• Moneyguard - guarantees include Life & LTC. This insurance is ideal for protecting your clients' assets.
  
  
• Aviva - this is an immediate annuity and LTC policy combo). Immediate annuity company is one with best rate at that point.
  
  
• Allianz / F&G / Jefferson Pilot - provide competitive fixed annuities such as bonus and indexed annuities that help prospective insured protect themselves from market fluctuations.

GAIN ---- If your prosptective insured has a gain in their VA, but still wants to get out of their contract through our "stubs" program (partial 1035 to bonus/index fixed annuity.

• Chase Fixed Annuities - bonus & multi-year guarantees
• Allianz Fixed Annuities - bonus, equity, multi-yr
• FG Life - Loyalty Rewards
• Jefferson Pilot
• AIG Life - UltraMYG

In addition, Sterling may buy remaining policy after 1035. This is an incredible opportunity and we also do all "paperwork" such as getting accounting information to their cpa etc - our total VA Recovery Program package is the full Treatment !!!