Refusal Letters

A refusal letter may be necessary to reinforce your client’s Medicaid Compliant Annuity or to demonstrate an existing annuity’s inability to be sold on the secondary market.

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These are letters from secondary annuity buyers indicating their inability to purchase an annuity due to its restrictive provisions. A refusal letter may be needed to secure a Medicaid Compliant Annuity in some states or demonstrate undue hardship in certain cases involving a non-compliant annuity.

When to Consider a Refusal Letter

Refusal letters are used to prove a contract’s inability to be sold. Therefore, this product is ideal for clients who:

  • Need assistance proving the terms of an MCA contract
  • Own an annuity that cannot be sold on the secondary market
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