![concept-piece-download-30047-leave-a-legacy-without-uw](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-maximizing-a-grandparents-legacy-without-underwriting.png)
In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.