REAL-WORLD ILLUSTRATIONS
See Your Guaranteed
Income Potential
Real-world annuity illustrations help you understand how income, protection, riders, and contract values may work before you make a decision.
Clarity Before You
Commit
Annuity illustrations are not estimates or sales hype. They are objective, math-based roadmaps designed to show exactly how a specific strategy may perform based on your unique profile and goals.
These comprehensive documents provide a clear breakdown of how your age, premium amount, selected index strategy, and contract terms interact to shape your guaranteed lifetime income and accumulation potential. We believe you should understand every detail before making a decision.
What Every Illustration Reveals
Starting Premium
Issue Age
Income Start Age
Guaranteed Lifetime Income
Accumulation Value
Rider Details
Surrender Period
Carrier Information
Illustration Gallery
Real Numbers In Action
This example shows a $500,000 premium fully allocated to the S&P 500 strategy with an 8% annual cap. This is a hypothetical illustration of how the annuity could perform over a 10-year period. An 8% cap means your annual credited interest is limited to a maximum of 8%, regardless of how high the S&P index increases. Every year on your anniversary, your gains are locked in. Once credited, they can never be lost.
For example, if the S&P 500 increases by 12% in a year, your account would be credited 8%. If the index increases by 6%, you receive the full 6%. If the market is negative for the year, your account is credited 0%—you do not lose principal due to market declines.
This example shows a $500,000 premium fully allocated to the S&P 500 strategy with a 65% participation rate. This is a hypothetical illustration of how the annuity could perform over a 10-year period. A 65% participation rate means you receive 65% of the S&P 500’s annual gain. Every year your interests is credited and locked in and can never be lost.
For example, if the index increases by 10% in a given year, your account would be credited 6.5%.
If the market is negative for the year, your account is credited 0%—you do not lose any of your principal due to market declines.
These illustrations show how your money can grow over time with market-linked gains, and protection from market losses.
End Year
The contract year being shown (Year 1 through Year 20).
Age
Your age during that specific contract year.
Net Premiums
The total amount you have contributed into the annuity.
Net Return
The credited interest rate for that year based on the index performance, subject to the 8% cap.
Interest Earned
The dollar amount of interest credited to your account for that year.
Withdrawals / Fees
Any withdrawals or fees taken from the account (none shown in this example).
Accumulation Value
Your total account value, including all credited interest.
This is your main “growing balance.
Cash Surrender Value
The amount available if you fully surrender the contract in that year, after any surrender charges.
Min Cash Surrender Value
The minimum value the insurance company guarantees, regardless of market performance. Used when MVA's lower surrender.
Death Benefit
The amount paid to your beneficiary if you pass away in that year.
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