[LTC-Sales_Discussions] use of SPIA to fund LTC

ltc-sales_discussions@ltpcalums.com ltc-sales_discussions@ltpcalums.com
Tue, 14 Oct 2003 21:35:42 EDT 

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I have used SPIA's to fund LTC and found it to be a good concept with 
protection for the client from dumping all the cash into companies hands.  It also 
discounts the overall cost of the total cash needed to fund ten pay LTC plans.

John E. Duffin, CLU, ChFC, CLTC
CNA Central Life and LTC Brokerage Office
(800) 262-9230 Extension 5346   Fax (317) 575-5317
Visit CNA @ www.cnalife.com

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<HTML><FONT FACE=3Darial,helvetica><FONT  SIZE=3D2 FAMILY=3D"SANSSERIF" FACE=
=3D"Arial" LANG=3D"0">I have used SPIA's to fund LTC and found it to be a go=
od concept with protection for the client from dumping all the cash into com=
panies hands.&nbsp; It also discounts the overall cost of the total cash nee=
ded to fund ten pay LTC plans.<BR>
<BR>
</FONT><FONT  COLOR=3D"#0000ff" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=3D"0"><B><I>John E. Duffin, CLU, C=
hFC, CLTC</FONT><FONT  COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff"=
 SIZE=3D2 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=3D"0"><BR>
</FONT><FONT  COLOR=3D"#ff0000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=3D"0"></B>CNA Central Life and LTC=
 Brokerage Office<BR>
</FONT><FONT  COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D1=
 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=3D"0">(800) 262-9230 Extension 534=
6&nbsp;&nbsp; Fax (317) 575-5317</FONT><FONT  COLOR=3D"#000000" style=3D"BAC=
KGROUND-COLOR: #ffffff" SIZE=3D2 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=
=3D"0"><BR>
</FONT><FONT  COLOR=3D"#0000ff" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
 FAMILY=3D"SANSSERIF" FACE=3D"Arial" LANG=3D"0">Visit CNA @ www.cnalife.com<=
/I></FONT></HTML>

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