Just Launched:  Our new SPG Life & Annuity Division is here. Discover the story
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Advanced Markets

Expert strategies for complex planning, delivered with clarity.

Holistic support from a distinguished team. For more than 50 years, SPG Life & Annuity has helped advisors structure sophisticated estate, business, retirement, and charitable strategies. Our Advanced Markets group includes attorneys and credentialed specialists who see the whole picture and turn complexity into clear, client-ready strategies.

We bring disciplined modeling, practical case guidance, and underwriting strategy, backed by deep carrier relationships and real-world experience with high-stakes cases, so plans stand up to scrutiny and move from idea to in force with confidence.

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Wealth Creation & Estate Planning

Balance liquidity, taxes, and legacy with well-structured ownership, funding, and trusts. We model outcomes and document why each recommendation aligns with stated goals.

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Business Succession Planning

Build continuity around valuation, buy-sell terms, and funding so ownership transfers work when needed. We outline options and coordinate details that keep plans practical and enforceable.

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Executive Benefit Planning

Lifetime coverage with guaranteed death benefit protection and long-term cash value growth. A strong fit for clients who value certainty, stability, and legacy planning.

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Retirement Accumulation & Distribution

Create tax-diversified accumulation and a planned spend-down strategy. We test life and annuity designs against timelines, income needs, liquidity, and taxes.

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Charitable Giving

Design gifts that pair impact with tax efficiency. We develop strategies using structures like CRTs and CLATs and show how life insurance can protect or enhance intended outcomes.

FREE DOWNLOAD: 2026 Tax Reference Guide

The SPG Life & Annuity Tax Reference Guide is now available for download. The highly anticipated 2026 version provides a wealth of tax-related data to help keep your clients’ financial plans on track. The Guide includes inflation-adjusted information across:

  • Federal income tax brackets, rates, and standard deductions
  • Federal estate and gift tax exemptions and rates
  • States with estate and inheritance taxes
  • Income limits of education incentives
  • IRA, Roth IRA, and qualified plan limits and phase outs
  • Social Security retirement benefits and FICA tax rates
  • Uniform Lifetime Table for required minimum distributions
  • Long term care deduction limits for S Corp and LLC owners
  • Business income taxes for C Corps, S Corps, and LLCs
Free Download