Market Volatility Risk - The draw down dilemma

Ensuring your retirement assets still have growth potential is a smart choice as inflation and other factors can erode the purchasing power of your money. However, if all of your assets are subject to market volatility, you can run into the drawdown dilemma. In this scenario, you can run out of money sooner than anticipated, simply based on the timing of when you begin withdrawing retirement income.

Longevity Risk - Outliving your money

It’s no secret people are living longer, which means retirement is often longer, too. Regardless of whether your retirement assets have a high, medium, or low growth potential, can you guarantee that you won’t outlive your money?

Discover your lifetime income potential

If there’s a gap between your expected income and projected expenses in retirement, this calculator can help provide a retirement “paycheck” for the rest of your life.

Required premium amount must be at least $20,000 and no more than $1,000,000. Premium greater than $1,000,000 requires approval.
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*This is a generic calculator UI. To match any specific carrier/product, replace the payout factors in the script below with your approved rate sheet.

Annual Lifetime Payment Increase

Annual lifetime payment increase

The annual lifetime payment increase means the longer you wait to start income, the higher your lifetime payment amount can be. In fact, waiting each additional birthday increases your future payout by 10% up to the first 10 years. Our simple single premium fixed index annuity makes it easy to determine the guaranteed lifetime income available to you, included through a rider (at additional charge ).

Flexibility when you need it

Flexibility when you need it

Income can be taken immediately or deferred for up to 20 years. If an unpredictable event leaves you unable to perform at least two of the six “Activities of Daily Living” (ADLs) as defined in your contract, your lifetime payment amount (LPA) can double for up to five years of payments.

Talk to your independent financial professional about your income needs in retirement.