Creative Marketing International Corp. has released a new version of a program that can help agents use insurance company products to help clients plan for future financial needs.

The original version of the Laddered Annuity Payout System focused on helping clients with retirement income planning needs, according to Creative Marketing, Overland Park, Kan.

The new version can help clients with retirement needs and with other types of needs, such as needs to prepare for nursing home costs or get extra protection against inflation, Creative Marketing says.

The program can use several different types of fixed annuity products, such as fixed indexed annuities, single-premium immediate annuities and multi-year guarantee annuities, Creative Marketing says.