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SPIA For Deferred Income and Beneficiary Death Benefit?
Oh yes, and the numbers are outstanding!

Using a combination of FPDA interest only withdrawals and a SPIA product this can be done GUARANTEED.

🔶A male age 65 can get an income at age 75:
🔶Premium = $1,000,000
🔶Annual Income (SPIA)= $69,111 (20 minimum guaranteed Payments)
🔶Interest Income (FPDA) = $18,208 minimum lifetime guarantee
🔶Total Annual Income = $87,319
🔶Death Benefit = $606,955 forever!
The above are based on the minimum guaranteed rates.

Using a combination of FPDAs for accumulation and SPIAs for lifetime income below can be done based on CURRENT RATES.

🔶A male age 65 can get an income at age 75:
🔶Premium = $1,000,000
🔶Annual Income = $69,111 (20 minimum guaranteed Payments)
🔶Annual Income = $54,998 assumed based on current rates
🔶Total Possible Annual Income = $124,109
🔶Death Benefit = income guarantee from age 75 to 85! ($0 thereafter)
The above are based on the current rates.

LIMITAIONS
⚠️FPDA may invoke a limit on future deposits at that 3.00%
⚠️Interest Income is 100% taxable
⚠️Premium tax states will have lower SPIA income
⚠️Not in New York

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IMPORTANT INFORMATION

This material is for informational, educational & entertainment purposes.
It is not a recommendation to buy, sell, hold or rollover any asset.
It does not take into account the specific financial situation, investment objectives, or insurance need of an individual person.
Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty.

Surrender charges may also apply for early or excess withdrawals.

All guarantees are backed by the claims-paying ability of the issuer.

Products are available only in all states where approved.
Please note that most SPIA quote rates are valid for 7 days.
For the latest ratings, access https://web.ambest.com/home