For insurance agents & financial professionals

Protection and income.
Built around your client.

Insurance case design, annuity comparisons, and implementation support for financial advisors, registered representatives, and insurance agents.

Prepare a case inquiry Explore the solutions

M. H. LeBlang, Inc. dba M. H. LeBlang Insurance ServicesCA Insurance License 0M32052

Start with the planning need

Four starting points.
One coordinated process.

Identify the role of the coverage or contract in the client’s plan, then compare the alternatives and define the implementation.

Life insurance

A direct digital path for straightforward term cases, with specialist support for more involved protection needs.

Explore life insurance

Fixed annuities

Evaluate MYGA rates, guarantee periods, liquidity provisions, and insurer strength as one contract decision.

Compare fixed annuity options

Income annuities

Design SPIA and DIA income around start dates, covered lives, and beneficiary protection.

Explore income design

Long-term care

Compare care-funding approaches, benefit triggers, inflation features, and existing coverage.

Plan for long-term care

Two clear paths

Digital when it fits.
Specialist support when needed.

Choose the process around the case. A simple term application and a complex ownership or funding arrangement require different work.

Straightforward term

MHL’s InstaBrain experience

Open MHL’s digital insurance application with your client. Coverage, pricing, and eligibility are determined through the application and insurer underwriting.

Open MHL InstaBrain

Case design & policy review

A coordinated professional review

Bring conversion questions, permanent coverage, business needs, estate objectives, or an existing policy to the team.

Discuss a designed solution

Professional comparison resources

Compare with
CANNEX.

Bring current product information into the recommendation process. CANNEX provides annuity data, comparison tools, and income illustrations for financial professionals.

Open CANNEX portal

External professional platform. CANNEX sign-in and appropriate access are required.

Accumulation

Fixed annuity comparisons

Review the rate and guarantee period alongside surrender provisions, withdrawal access, insurer strength, and state availability.

Request fixed annuity options

Income

SPIA & DIA illustrations

Compare income start dates, single or joint lives, and beneficiary protections using consistent assumptions.

Request an income comparison

For current case-specific rates or income quotes, use CANNEX or contact our team. A quote does not reserve a rate; final terms come from the insurer.

Planning beyond the basics

Build the design
around the purpose.

More involved cases benefit from coordinated underwriting, contract analysis, and clear ownership and funding decisions.

Disability insurance

Individual income protection, business overhead expense, disability buy-sell, and key person coverage.

Advanced life & policy review

Permanent coverage, conversion rights, policy funding, and in-force analysis.

Estate & legacy planning

Coordinate insurance liquidity, ownership, beneficiaries, and trust planning with legal and tax advisors.

Business protection

Align key person, buy-sell, succession, and executive benefit arrangements with the business purpose.

Private placement & financing

Evaluate PPLI, PPVA, and premium financing through a specialist due-diligence process.

Annuities & professional capacity

Match the structure.
Clarify the role.

Fixed insurance contracts and registered annuities have different risks, disclosures, and licensing requirements.

Insurance agency

MYGAs, fixed SPIAs & DIAs

Compare accumulation or income guarantees, access to capital, and the issuing insurer through M. H. LeBlang Insurance Services.

Fixed annuities Income annuities

Insurance & securities

RILAs & variable annuities

Registered annuities involve securities services through MHL Investments and appropriately licensed insurance professionals. Evaluate market exposure, contract and investment expenses, surrender provisions, and rider limitations.

RILAs can incur losses beyond a buffer; variable annuity values can decline with their investments.

Discuss a registered annuity

A consistent case process

Purpose. Comparison.
Implementation.

Keep the client’s overall plan and your professional responsibilities at the center of the case.

01
Define the need
Identify the coverage or income objective, time horizon, liquidity needs, and relevant existing contracts.
02
Compare the full design
Review guarantees, non-guaranteed assumptions, insurer strength, total costs, compensation, and alternative approaches.
03
Document and implement
Confirm underwriting, ownership, funding, required disclosures, and each professional’s role before proceeding.

Product & implementation considerations

Annuities are not bank deposits or FDIC insured. Restricted access, surrender charges, market value adjustments, taxes, and inflation can affect outcomes. Registered annuities can lose principal. A higher quoted rate or income payment alone does not establish a suitable recommendation.

Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.

For your practice

Bring the case.
Define the next step.

Start with the planning objective, client state, and the decision you need to make.

Prepare a case inquiry

Protection and income.Built around your client.

Four starting points.One coordinated process.