Tuesday, April 25, 2017

Fixed Deferred Annuity Calculator

Initial Investment ($10,000 - $100,000)    
Starting Age (18 - 85)  
Gender
Surrender Period / Interest Rate
Note that all plans have a guaranteed minimum interest rate of 2%.



At what age do you estimate annuitizing this investment?
Convert your account balance to monthly payments for your entire life or a specified number of years.
(19 - 100)    
 
 


Accumulation Phase (Pre-Annuitization)Payout Phase (Annuitization)Surrender Charge
Account Balance

Account Balance @ age 90:
Guaranteed: $20,243.98
Projected: $30,630.36

 

AnnuitantEnd ofGuaranteedProjected
AgeContract YearAccount ValueSurrender ValueAccount ValueSurrender Value
561$10,325.00$9,499.00$10,325.00$9,499.00
572$10,531.50$9,794.30$10,660.56$9,914.32
583$10,742.13$10,097.60$11,007.03$10,346.61
594$10,956.97$10,354.34$11,364.76$10,739.70
605$11,176.11$10,673.19$11,734.11$11,206.08
616$11,399.63$11,000.65$12,115.47$11,691.43
627$11,627.63$11,336.94$12,509.23$12,196.49
638$11,860.18$11,682.28$12,915.78$12,722.04
649$12,097.38$11,976.41$13,335.54$13,202.18
6510$12,339.33$12,339.33$13,768.94$13,768.94
6611$12,586.12$12,586.12$14,216.43$14,216.43
6712$12,837.84$12,837.84$14,678.47$14,678.47
6813$13,094.60$13,094.60$15,155.52$15,155.52
6914$13,356.49$13,356.49$15,648.07$15,648.07
7015$13,623.62$13,623.62$16,156.63$16,156.63
7116$13,896.09$13,896.09$16,681.73$16,681.73
7217$14,174.01$14,174.01$17,223.88$17,223.88
7318$14,457.49$14,457.49$17,783.66$17,783.66
7419$14,746.64$14,746.64$18,361.63$18,361.63
7520$15,041.58$15,041.58$18,958.38$18,958.38
7621$15,342.41$15,342.41$19,574.53$19,574.53
7722$15,649.26$15,649.26$20,210.70$20,210.70
7823$15,962.24$15,962.24$20,867.55$20,867.55
7924$16,281.48$16,281.48$21,545.74$21,545.74
8025$16,607.11$16,607.11$22,245.98$22,245.98
8126$16,939.26$16,939.26$22,968.97$22,968.97
8227$17,278.04$17,278.04$23,715.46$23,715.46
8328$17,623.60$17,623.60$24,486.22$24,486.22
8429$17,976.07$17,976.07$25,282.02$25,282.02
8530$18,335.60$18,335.60$26,103.68$26,103.68
8631$18,702.31$18,702.31$26,952.05$26,952.05
8732$19,076.35$19,076.35$27,828.00$27,828.00
8833$19,457.88$19,457.88$28,732.41$28,732.41
8934$19,847.04$19,847.04$29,666.21$29,666.21
9035$20,243.98$20,243.98$30,630.36$30,630.36


Guaranteed values are based on the Guaranteed Interest Rates shown on the specifications page. Projected values are based on the First Year guaranteed rate and the Bailout Rate shown in the specifications page thereafter. All Values are calculated as of the end of the contract year, and include surrender charges for that policy year. Values assume there are no full or partial surrenders. Projected values shown in the last two columns are hypothetical and are not guaranteed. Renewal interest rates vary primarily based on the Company's investment performance including realized gains and losses on assets supporting the product. It also varies on such factors as operating expenses and product competitiveness. Actual values may be more or less favorable. Actual values may be higher if a higher interest rate is declared by the Company.  Values for contract years not shown will be provided upon request. (This illustration does not reflect that, because of interest, a dollar in the future will have less value than a dollar today.)

Annuity Illustration

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