Annuity Lab 10

By utilizing the Annuity Lab, investors can compare a Living Benefit rider or a Fixed Index Annuity of their choice. The Living Benefit Comparison utilizes a sophisticated formula to calculate the annual rate of return (simple or compound) and annual income amount of simple and plus riders. It provides a visual representation of these riders, highlighting which option may offer the highest income during retirement. Additionally, the calculator indicates the rate of return necessary for riders with lower annual income to outperform those potentially offering higher income.

The Index Comparison Calculator enables users to assess the average annual crediting rate and growth by applying the cap rate to the historical performance of two selected indexes.

The Make a Difference tool aids in determining the required initial premium needed to be invested in a rider to attain a desired annual income after a specific period. This tool also allows for a side-by-side comparison of up to three riders, showcasing discrepancies in initial premium requirements.

The Income Modeler tool facilitates a detailed comparison between two riders, displaying a 30-year projection of contract value and annual income. Additionally, by examining carry-forward information, investors can understand how varying annual withdrawal amounts may affect their income over time.

*Note: The Annuity Lab is intended for Broker/Dealer Use Only – Not For Use With Clients / Investing Involves Market Risk, Including the Possible Loss of Principal