Immediate Annuity Calculator

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B.E.S.T. FLEX Income Annuity offers for potential liquidity needs a one-time lump-sum payout which is referred to as a Commutation Value. After the completion of two full contract years, the Owner may request a one-time commutation (withdrawal) of all of the Annuity Benefits. This provision is only available on contracts that are for a period certain or life with a period certain. The commutation provision is not available for life only contracts. If the period certain has expired, there is not commutation (withdrawal) value, and no proceeds will be paid. The commutation value shall be equal to a discounted present value of any remaining guaranteed payments due under this contract, subject to a commutation charge as shown in the schedule below:

Policy Year 1 2 3 4 5 6 7 8 9 10 11+
Charge N/A N/A 8% 7% 6% 5% 4% 3% 2% 1% 0%
Note: The B.E.S.T and B.E.S.T. FLEX Immediate Income Annuities are only available to Arizona and Utah residents.

Annuity guarantees are backed by the financial strength and claims-paying ability of American Savings Life Insurance Company. B.E.S.T. policy form 2300 and B.E.S.T. FLEX policy form 2400 are available only in Arizona and Utah. This brochure information is not a contract and descriptions of policy provisions are only partial. Benefits are subject to terms and conditions of the policy. Refer to the policy for complete terms and conditions. B.E.S.T. and B.E.S.T. FLEX payout amounts shown as of November 1, 2022.