dvd493 said:Americo has "Lifetime Legacy" that is a single pay or 7 pay. It is for ages 55-75 and depending on the age you start can produce an immediate return of about 280%. It has some flexibility also. You can borrow against it. Up to 80% of it can be used for nursing care. It can usually be transfered to heirs tax free. It seems like a good product for a senior who has cash in the bank and wants to leave more behind.