Information presented should not be considered specific tax, legal, or investment advice. You should always seek counsel of the appropriate advisor prior to making any investment decision. All investments are subject to risk including the loss of principal.
Annuities are long-term investment products designed for retirement purposes. Guarantees are based on the claims-paying ability of the underlying insurance company and assume compliance with the product’s benefit rules, as applicable. Early withdrawals may be subject to surrender penalties and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Annuities are not FDIC insured. Certain terms and conditions apply, so please read insurance company materials carefully. For costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the contract may be continued in force, talk to your agent. Products and features are subject to state variations and availability. Repositioning of assets from an existing product may not be suitable for all clients.
Benefits are subject to a maximum monthly benefit. The additional coverage in excess of the contract value is only available to use for a qualified long-term care benefit and will not become part of the contract value or the death benefit. Withdrawals, other than for qualified long-term care expenses, will adversely affect the amount of coverage for long-term care benefits in the future.
THIS IS A SOLICITATION OF LONG-TERM CARE INSURANCE BY LUCIA INSURANCE SERVICES AND AN AGENT INSURANCE PRODUCER MAY CONTACT YOU.
Raymond J. Lucia Jr. (CA Insurance Lic. # 0E12175) is chairman of Lucia Insurance Services, LLC is a subsidiary of Lucia Capital Group. (Lucia Insurance Services CA Insurance Lic. #0H40817)
Raymond J. Lucia Jr. is chairman of Lucia Capital Group, and CEO of its affiliated broker/dealer, Lucia Securities, LLC, member FINRA/SIPC and a subsidiary of Lucia Capital Group, an SEC registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. Advisory services offered through Lucia Capital Group. Securities offered through Lucia Securities, LLC. CAA-10869 (07/17)