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Products Overview

DPL offers our members access to a wide range of low-cost, Commission-Free annuities and life insurance products from some of the nations top carriers.


Annuities are perhaps the only way to mitigate longevity risk, but they also are a more efficient means of generating retirement income. Annuities can quickly outperform fixed income in generating retirement income, and provide payouts long after fixed income portfolios would be depleted.

Annuities - Custom Access

Type Summary
Registered Index Linked Annuity

Registered Index Linked Annuities (also known as Structured Variable Annuities or Buffer Annuities) are tax-deferred insurance vehicles that provide upside potential with a defined degree of downside protection. The investor assumes the portion of the market risk that is in excess of the "buffer" or the initial losses before reaching the...

Solves for Principal Protection, Retirement Income
Deferred Income Annuity

A deferred income annuity is a contract funded with a lump-sum payment (premium) in exchange for guaranteed income payments at a future date. Also known as a longevity annuity because of QLAC-eligibility, a DIA can serve as a pension-like income stream for investors without a defined benefit plan through their employer. A DIA helps bridge an income gap and maintains an...

Solves for Retirement Income
Fixed Index Annuity

Fixed index annuities are tax-deferred insurance products that provide market upside, while protecting principal from market losses. Assets are allocated into indices that are designed to replicate market performance. These indices are typically accompanied with cap rates, spreads, or participation rates.

Solves for Retirement Income, Principal Protection, Annuity Rescue+
Multi-Year Guaranteed Annuity

Multi-year guaranteed annuities (MYGAs), a type of fixed annuity, offer a guaranteed fixed rate of return for the duration of the product. MYGAs provide tax deferral benefits, and can give clients the ability to annuitize their assets into a predictable lifetime stream of income.

Solves for Retirement Income, Principal Protection, Tax Deferral
Single Premium Immediate Annuity

A single premium immediate annuity is a contract funded with a single lump-sum payment (premium) in exchange for guaranteed income payments. Designed to supplement retirement income, a SPIA insures the purchaser against outliving their money or exhausting it within a certain timeframe. A SPIA can begin paying income immediately, bypassing...

Solves for Retirement Income
Variable Annuity

Variable annuities are tax-deferred insurance contracts with an underlying value that fluctuates based on the performance of the underlying investments. These products often offer insurance benefits such as guaranteed income or a death benefit. The ability to annuitize assets into a guaranteed lifetime income stream is the fundamental feature that qualifies a...

Solves for Tax Deferral, Annuity Rescue+, Legacy Planning, Retirement Income, Wealth Accumulation
Fixed Annuity

Fixed annuity are simplified products, offering a tax-deferred guaranteed fixed rate of return for a specified period.

Solves for Retirement Income, Principal Protection, Tax Deferral


Type Carrier Name AM Best Rating DPL Insights
Integrity Life IncomeSource® Select A+

Deferred income product eligible for QLAC classification

Allianz Retirement Foundation ADV® A+

Provides an increasing income option for clients who anticipate a greater income need later in retirement

Great American Life Index Protector 7℠ A

8% guaranteed roll-up on living benefit value, and advisory fee does not impact benefit base

Great American Life Index Protector 4℠ A

FIA with no market value adjustment

Great American Life Index Protector 5 MVA℠ A

Surrender-free FIA with multiple participation rate strategies issued up to age 90

Jackson MarketProtector Advisory® A

Surrender-free FIA

Midland National® Midland National Capital Income℠ A+

FIA with ability to double income payments for up to 5 years with health-related trigger

Pacific Life Pacific Index Advisory℠ A+

FIA with optional living and death benefits

Security Benefit ClearLine A-

Provides exclusion ratio on living benefit withdrawals

Multi-Year Guaranteed Annuity Great American Life Advantage 5℠ Advisory A

MYGA with 5-year duration and $50K minimum investment.

Multi-Year Guaranteed Annuity Guaranty Income Life Insurance Company Guaranty Rate Lock™ B++

MYGA with 3–10-year durations, and three rate bands based on premium.

Multi-Year Guaranteed Annuity Midland National® Oak ADVantage℠ A+

MYGA with 3-, 5-, and 7-year durations, and a $50K minimum investment.

Multi-Year Guaranteed Annuity Security Benefit Advanced Choice A-

Provides a 4-year guaranteed interest rate for those close to retirement or recently retired


Integrity Life MultiVantage® A+

Guaranteed interest rate periods of 4, 5, 7, and 10 years with flexible withdrawal periods

Integrity Life IncomeSource® A+

Issued up to age 95 with multiple annuitization options

Registered Index Linked Annuity Allianz Index Advantage Income ADV℠ A+

Provides customizable growth opportunity and downside protection with guaranteed lifetime income

Registered Index Linked Annuity Allianz Index Advantage ADV® A+

Customizable downside protection via four different blendable strategies

Registered Index Linked Annuity Equitable Structured Capital Strategies® Income A

Allows flexibility in duration and protection levels and provides an income benefit

Registered Index Linked Annuity Equitable Structured Capital Strategies® A

Liquid buffer annuity with downside protection

Registered Index Linked Annuity Jackson Market Link Pro Advisory A

Surrender-free RILA providing 1- and 6-year terms with floor and buffer options.

Ameritas Advisor No-Load VA A

Offers Vanguard and DFA funds and includes ROP

Jackson Perspective Advisory II® A

Several living and death benefit options with complete investor freedom

Jackson Retirement Investment Annuity A

Features investment freedom and a living benefit with pricing based on the phase of the policy.

Lombard International Private Placement VA A-

Non-traditional investments within a tax-deferred account for the high-net-worth client

Pacific Life Pacific Advisory Variable Annuity A+

Advisory fee-friendly annuity with a guaranteed minimum withdrawal benefit.

Protective Protective Investors Benefit Advisory Variable Annuity A+

Allows advisory fee without impacting the living benefit value

Security Benefit EliteDesigns® A-

Exclusion ratio applied on withdrawals without annuitization

TIAA The Intelligent Variable Annuity® A++

Lowest-cost variable annuity on the market for accounts over $500K, includes Vanguard and DFA funds

Transamerica Variable Annuity I-Share II A

Low-cost VA with an optional protected growth living benefit.

Life Insurance

Traditionally used as a means of income replacement, insurance provides powerful possibilities with effective implementation. Through DPL, RIAs can now incorporate insurance as part of their clients' holistic financial plans, allowing additional tax deferral, tax-free income, and wealth transfer efficiency for individuals, and new solutions for sophisticated business scenarios.

Life Insurance

Type Summary
Variable Universal Life Insurance

Variable Universal Life is a permanent life insurance policy where the cash value is invested in funds or fixed accounts providing opportunity for growth. Its structure allows for flexible premium payments and an adjustable death benefit, which can be impacted by the investment performance of the cash value. Because of its variable...

Solves for Legacy Planning, Life Insurance, Retirement Income, Wealth Accumulation
Life Settlements

A life settlement enables a policyowner to sell their life insurance policy for its current market value. This can provide an cash infusion if a client is over-insured, or if they can no longer afford the premiums needed to keep their policy in force.

Solves for Retirement Income
Disability Income Insurance

Disability Income (DI) Insurance is purchased to protect clients against loss of income from an unexpected injury or illness. An individual DI insurance policy pays a monthly benefit that replaces a portion of their income in the event of a disability, so your clients can take comfort in knowing their current lifestyle...

Solves for Income Replacement
Term Life Insurance

Term life insurance offers an affordable means of securing protection for a specified period of time. While term life insurance does not build cash value like whole life insurance, it comes at a reduced cost with less stringent underwriting requirements, making it more cost-effective and accessible.

Solves for Life Insurance, Legacy Planning

Life Insurance

Type Carrier Name AM Best Rating DPL Insights
Principal® Disability Income Insurance A+

Ensures a level of income if an individual is unable to work

Lighthouse Life Life Settlements

Purchases policyowner's life insurance policy at current market value

Principal® Term Life Insurance A+

A cost-effective solution for ensuring coverage with the option to convert to a permanent policy in the future

Variable Universal Life Insurance Ameritas Advisor II VUL A

Low-cost VUL designed for tax-free income

Variable Universal Life Insurance Lombard International Private Placement VUL A-

Non-traditional investments designed for tax-efficient legacy wealth transfer

Products by Solution

Commission-Free annuities can be used to solve for a number of client needs in the financial plan.  DPL's team can help you find the right product for your client's need and assists you to model it in your planning software.

Products by Solution

Retirement Income

    There is probably no more important financial goal for clients than meeting their retirement income needs. Many of today's low-cost, Commission-Free annuities can enhance your clients’ retirement income in ways traditional strategies often can’t.  If you're looking to generate retirement income for your client, the annuity types below should be considered.

Income Replacement

    Your clients protect their lives, their homes, and their vehicles through insurance, while often overlooking their most important asset—their ability to earn income. Commission-Free disability insurance can help replace income in the event of an unexpected injury or illness, without jeopardizing the financial plan.

Life Insurance

    Life insurance represents a crucial part of the a financial plan, providing benefits for both legacy planning and wealth accumulation purposes. With Commission-Free life insurance, RIAs no longer need to outsource this portion of the plan, and can now deliver benefits to complement their clients' holistic financial plans.

Principal Protection

    Utilizing insurance to protect principal can provide meaningful benefits to a client's portfolio, as well as to their peace of mind. DPL’s offering of Commission-Free solutions can provide hedging strategies, fixed returns or complete downside protection.

Annuity Rescue+

    It’s likely that many of your clients already own at least one annuity. Commission-Free annuities can be leveraged to add value beyond just cost savings. DPL works with our members to analyze clients’ existing annuity policies to determine if there is a more cost-effective alternative or additional benefits a no-load solution can bring to the financial plan.

Legacy Planning

    For many clients leaving a legacy to heirs is a high priority in their financial plan. There is no more certain way to accomplish this goal than through insurance.

Wealth Accumulation

    Permanent life insurance policies, once the commission is eliminated, provide benefits which can be powerful for wealth accumulation. Without a hefty commission being removed from premiums, client assets grow and can be withdrawn tax free.

Tax Deferral

    Some asset classes benefit from tax deferral more than others. Investing fixed income, funds with high turnover or alternatives in a tax-deferred vehicle can maximize the impact of tax deferral.

Get Started

To learn more about low-cost, Commission-Free solutions call us at 888.327.0049 and speak to a DPL consultant.


©2022 DPL Financial Partners, LLC. All rights reserved.

DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 • 303-797-9080
DPL Financial Partners is not affiliated with The Leaders Group, Inc.

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