This is a sample of what an annuity quote looks like from a 24 year veteran of the annuity services industry. There are 8 types of annuity benefits available. You choose the type(s) you like. A Safe Money Singer Annuity Quotation might be the most thorough annuity quote to be found on the internet!
Jonny SAMPLE
16 Data Points for an Insured Retirement Using ANNUITY CONTRACTS for ... Jonny SAMPLE
Date of Birth : 1/11/1964 Premium:
$500,000 Income Start Age :
65
Date of Birth :
Tax Type:
IRA
Benefit Values Are Valid as of : May 3, 2024 Compliments of : James Alden - The Safe Money Singer 24 years in the annuity business
Page 1
Jonny SAMPLE
Annuity Quote
Jonny SAMPLE Valid for : 5/3/2024
$500,000
10 Types of Insurance (Annuity) Contracts
(3) Navigation Aids
(4) My Thoughts For You
(5) Your Inputs
(6) Your Budget
7 Insurance Contracts (#1-#6) Designed To: 20 Insurance Contracts (#7-#10) Designed SOLVE A RETIREMENT BUDGET FOR SAFE ANNUAL GROWTH CASH FLOW RATES INTEREST, INDEX CREDITS, BONUSES
#1 Pension Level
8
10.37%
Fixed Rate of Interest:
#2 Pension 2% 8.53%
10
to 15.16% 21
5.60%
#7
#3 Term Certain
12
11.10% 22 #8
10.00%
Locked CAPS for Term
#4 Fixed Rate on Principal #5 Indexed Income Rider
14
7.35% 24 #9
20%
Huge Day 1 Bonus
16
12.27% 26 #10 Huge Legacy Bonus
5.60%
18
#6 Indexed Income Rider LTC 12.27%
The Process to Obtain Your Annuity
28
29 Know Your Insurers 30 Know Your Agent 31
Order 12 Min. Phone / Zoom
After You Get Your Annuity :
Change of Address 10% Withdrawals
Income Election Ownership Change Spousal Continuance RMD Election
Beneficiary Change
For those that need to see "under the hood" ......
32 Income Explanations
Index Explanations
43
Income Synopsis
Crediting Strategies
33 34 35 36 41
44 49
Break Even
Income Rider Roll up Rates
Superiority of Income Guarantees
Bonus Plans
51
Cost of Indecision
Social Security Mortality Tables
Page 2
Jonny SAMPLE
Navigation Aids
Page 3
Jonny SAMPLE
The Key to a GOOD Annuity Shopping Experience : "Dialoguing Intelligently (text, email,voice) on your quotation with an agent in a RELAXED and EVOLVING manner"
Thoughts For :
Jonny SAMPLE
Please click here to change any of the parameters used below in your annuity quote booklet and this same quote will re-done for you:
Income Start Age: 65
which is :
Years from now
5
01/11/1964
Spouse 1 Date of Birth:
$500,000
Premium Amount:
Spouse 2 Date of Birth:
JOINT
2%
Inflation Rate Used:
Solo or Joint Income :
Additional Notes and Suggestions
Thank You - Jim
safemoneysinger.com
949 500 5478
24 years in the biz
Page 4
Jonny SAMPLE
The Financial Inputs That You May Have Shared to Determine Your Potential Annuity Benefits Jonny SAMPLE NAME Jonny SAMPLE AMOUNT CONSIDERING $500,000 AGE(S) NOW 60 AGE (S) RETIRE 65 DATE QUOTE BEING FURNISHED May 3, 2024 YEARS BEFORE RETIREMENT 5 SOCIAL $0 $0 PENSION $0
COLA ON SOCIAL / PENSION 2.00% INFLATION RATE BEING USED 2.00% CURRENT MONTHLY EXPENSES $3,400
Looks Like to Get Through Retirement You May Need To Use This Much of Your Retirement Savings Without Using Annuities:
-$1,827,450
Improve the Accuracy of Your Quote ! https://www.safemoneysinger.com/order
* If inputted values above are inaccurate this is because the true values were unknown at the time of the quote request. Fictitious values are often placed into these quotes merely to reflect the possible budgetary lifestyle afforded by the premium that was being considered for the annuity. All correct vital inputs can be quickly instituted and a new .pdf quote can be sent any time upon request.
FUNDS AVAILABI LITY
JOINT / SOLO
GOALS AND STRATEGIES
DEATH BENEFITS
INCOME START DATE
TAX STATUS OF FUNDS
BUDGET
Page 5
Jonny SAMPLE
Your Retired Life BEFORE ANNUITIES
Jonny SAMPLE
RETIREMENT BUDGET WITH ZERO ANNUITIES
May 3, 2024
You May Not be Able to See the Future, but you Can Plan for it
BUDGET PRE ANNUITY
AGES NOW
MONTHLY INCOME
MONTHLY EXPENSES
M F 60 # R E F! RETIRE DATE 1 65 #RE F! 2 66 #RE F! 3 67 #RE F! 4 68 #RE F! 5 69 #RE F! 6 70 #RE F! 7 71 #RE F! 8 72 #RE F! 9 73 #RE F! 10 74 #RE F! 11 75 #RE F! 12 76 #RE F! 13 77 #RE F! 14 78 #RE F! 15 79 #RE F! 16 80 #RE F! 17 81 #RE F! 18 82 #RE F! 19 83 #RE F! 20 84 #RE F! 21 85 #RE F! 22 86 #RE F! 23 87 #RE F! 24 88 #RE F! 25 89 #RE F! 26 90 #RE F! 27 91 #RE F! 28 92 #RE F! 29 93 #RE F! 30 94 #RE F!
FIXED
INFLATION
COST OF LIVING INCREASE
DEFICIT / SURPLUS
2.00%
$3,400 2.00%
TOTAL
FIXED
INFL.
TOTALS
SOCIAL SOCIAL
CUMULATIVE
PENSION
MONTHLY
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
-3,754 -3,829 -3,906 -3,984 -4,063 -4,145 -4,227 -4,312 -4,398 -4,486 -4,576 -4,667 -4,761 -4,856 -4,953 -5,052 -5,153 -5,256 -5,361 -5,469 -5,578 -5,690 -5,803 -5,919 -6,038 -6,159 -6,282 -6,407 -6,536
-45,046 -90,994 -137,860 -185,664 -234,424 -284,159 -334,888 -386,633 -439,412 -493,247 -548,158 -604,168 -661,298 -719,570 -779,008 -839,635 -901,474 -964,550
3,754 3,829 3,906 3,984 4,063 4,145 4,227 4,312 4,398 4,486 4,576 4,667 4,761 4,856 4,953 5,052 5,153 5,256 5,361 5,469 5,578 5,690 5,803 5,919 6,038 6,159 6,282 6,407 6,536
3,754 3,829 3,906 3,984 4,063 4,145 4,227 4,312 4,398 4,486 4,576 4,667 4,761 4,856 4,953 5,052 5,153 5,256 5,361 5,469 5,578 5,690 5,803 5,919 6,038 6,159 6,282 6,407 6,536
-1,028,887 -1,094,511 -1,161,448 -1,229,724 -1,299,365 -1,370,398 -1,442,853 -1,516,756 -1,592,138 -1,669,027 -1,747,454
-1,827,450
0
0
0
0
-6,666
6,666
6,666
Page 6
Jonny SAMPLE
6 Income Guarantee Contracts Designed To:
GUARANTEE A BUDGET
Did You Provide Your Monthly Expenses?
Page 7
Jonny SAMPLE
$4,319
1) SPEND LIFETIME LEVEL PENSION Your Top 3 Monthly Carriers :
1) SPEND LIFETIME LEVEL PENSION
AMOUNT DECLARABLE TO IRS : income starts in 5
$2,237
USAA
$4,319 $4,151
NY Life
years
Guardian $4,135 Rates are valid for 5/3/2024
Jonny SAMPLE
BUDGET AFTER ANNUITY
TOTALS
GUARANTEED BENEFITS BELOW
HOW TO INTERPRET THIS CHART: BASED ON OUR CURRENT MONTHLY EXPENSES OF :
GUARANTEED CASH FLOW based on annual benefit divided by ORIGINAL PREMIUM paid
PAID
$500,000
$500,000
DEFICIT / SURPLUS
RECEIVED $1,554,840
$1,554,840
ANNUAL
$51,828
$51,828
MONTHLY
$4,319
$4,319
MONTHLY
CUMULATIVE
AGE YEAR
$3,400
10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37% 10.37%
$565
$6,782
65 1 66 2 67 3 68 4 69 5 70 6 71 7 72 8 73 9 74 10 75 11 76 12 77 13 78 14 79 15 80 16 81 17 82 18 83 19 84 20 85 21 86 22 87 23 88 24 89 25 90 26 91 27 92 28 93 29 94 30
$4,319
$4,319 $51,828
$490
$12,662
$4,319
$4,319 $51,828
Inflating Each Year at :
$413
$17,624
$4,319
$4,319 $51,828
2%
$335
$21,648
$4,319
$4,319 $51,828
$256
$24,716
$4,319
$4,319 $51,828
THAT EXISTS
$174
$26,809
$4,319
$4,319 $51,828
NOW, BEFORE AND IN: EVERY YEAR OF RETIREMENT AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
$92
$27,908
$4,319
$4,319 $51,828
$7
$27,991
$4,319
$4,319 $51,828
-$79
$27,040
$4,319
$4,319 $51,828
-$167
$25,033
$4,319
$4,319 $51,828
-$257
$21,950
$4,319
$4,319 $51,828
-$348
$17,768
$4,319
$4,319 $51,828
-$442
$12,466
$4,319
$4,319 $51,828
$500,000
-$537
$6,022
$4,319
$4,319 $51,828
-$634
-$1,588
$4,319
$4,319 $51,828
-$733
-$10,387
$4,319
$4,319 $51,828
THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS
-$834
-$20,398
$4,319
$4,319 $51,828
-$937
-$31,646
$4,319
$4,319 $51,828
-$1,042
-$44,155
$4,319
$4,319 $51,828
-$272,610
-$1,150
-$57,951
$4,319
$4,319 $51,828
-$1,259
-$73,060
$4,319
$4,319 $51,828
IN ORDER TO SURVIVE RETIREMENT
-$1,371
-$89,508
$4,319
$4,319 $51,828
-$1,484
-$107,321
$4,319
$4,319 $51,828
-$1,600
-$126,526
$4,319
$4,319 $51,828
-$1,719
-$147,153
$4,319
$4,319 $51,828
OR WE WILL HAVE A WONDERFUL SURPLUS OF :
-$1,840
-$169,228
$4,319
$4,319 $51,828
-$1,963
-$192,782
$4,319
$4,319 $51,828
-$2,088
-$217,843
$4,319
$4,319 $51,828
-$272,610
-$2,217
-$244,442
$4,319
$4,319 $51,828
-$2,347
-$272,610
$4,319
$4,319 $51,828
9 out of 10 Actuaries Recommend that Prior to Throwing the Baby out with the Bathwater, the Bathwater should be CHANGED FIRST - (in other words, request changes to your quote!)
Page 8
Jonny SAMPLE
May 3, 2024
INCOME START AGE:
1) SPEND LIFETIME LEVEL PENSION
65
$4,319 per mo.
Learn All About the Plans Above : https://www.safemoneysinger.com/income-only-brochures
Page 9
Jonny SAMPLE
2.00% $3,556
2) SPEND LIFETIME PENSION INFLATED
2) SPEND LIFETIME PENSION INFLATED
Your Top 3 Monthly Carriers :
AMOUNT DECLARABLE TO IRS :
$1,842
USAA
$3,556 $3,430 $3,362
NY Life
income starts in 5 years
Guardian
5/3/2024
Rates are valid for
Jonny SAMPLE
HOW TO INTERPRET CHART:
TOTALS
GUARANTEED BENEFITS BELOW
BUDGET AFTER ANNUITY
GUARANTEED CASH FLOW based on annual benefit divided by ORIGINAL PREMIUM paid
PAID
$500,000
$500,000
DEFICIT / SURPLUS
RECEIVED $1,731,121
$1,731,121
BASED ON OUR CURRENT MONTHLY EXPENSES OF : $3,400 Inflating Each Year at :
ANNUAL
$42,672
$42,672
MONTHLY
$3,556
$3,556
CUMULATIVE
MONTHLY
$3,556 $42,672
-$198 -$2,374
8.53%
65 1
$3,556 $3,627
$3,627 $43,525
-$202 -$4,796
8.71%
66 2
$3,700
$3,700 $44,396
-$206 -$7,267
8.88%
67 3
2%
$3,774
$3,774 $45,284
-$210 -$9,787
9.06%
68 4
$3,849
$3,849 $46,190
-$214 -$12,357
9.24%
69 5
THAT EXISTS
$3,926
$3,926 $47,113
-$218 -$14,979
9.42%
70 6
NOW, BEFORE AND IN:
$4,005
$4,005 $48,056
-$223 -$17,653
9.61%
71 7
$4,085
$4,085 $49,017
-$227 -$20,380
9.80%
72 8
EVERY YEAR OF RETIREMENT AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
$4,166
$4,166 $49,997
-$232 -$23,162
10.00%
73 9
$4,250
$4,250 $50,997
-$236 -$26,000
10.20%
74 10
$4,335
$4,335 $52,017
-$241 -$28,895
10.40%
75 11
$4,421
$4,421 $53,057
-$246 -$31,847
10.61%
76 12
$4,510
$4,510 $54,118
-$251 -$34,858
10.82%
77 13
$500,000
$4,600
$4,600 $55,201
-$256 -$37,930
11.04%
78 14
$4,692
$4,692 $56,305
-$261 -$41,063
11.26%
79 15
$4,786
$4,786 $57,431
-$266 -$44,259
11.49%
80 16
THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS
$4,882
$4,882 $58,580
-$272 -$47,519
11.72%
81 17
$4,979
$4,979 $59,751
-$277 -$50,843
11.95%
82 18
$5,079
$5,079 $60,946
-$283 -$54,235
12.19%
83 19
-$96,329
$5,180
$5,180 $62,165
-$288 -$57,694
12.43%
84 20
$5,284
$5,284 $63,408
-$294 -$61,222
12.68%
85 21
$5,390
$5,390 $64,677
-$300 -$64,821
12.94%
86 22
IN ORDER TO SURVIVE RETIREMENT
$5,498
$5,498 $65,970
-$306 -$68,492
13.19%
87 23
$5,607
$5,607 $67,289
-$312 -$72,237
13.46%
88 24
$5,720
$5,720 $68,635
-$318 -$76,056
13.73%
89 25
OR WE WILL HAVE A WONDERFUL SURPLUS OF :
$5,834
$5,834 $70,008
-$325 -$79,951
14.00%
90 26
$5,951
$5,951 $71,408
-$331 -$83,925
14.28%
91 27
$6,070
$6,070 $72,836
-$338 -$87,978
14.57%
92 28
-$96,329
$6,191
$6,191 $74,293
-$345 -$92,112
14.86%
93 29
-$351 -$96,329
$6,315
$6,315 $75,779
15.16%
94 30
My Skills at Extra Sensory Perception (ESP) have moved inversely to my age; you can also text edit requests to 949 500 5478
Page 10
Jonny SAMPLE
INCOME START AGE:
May 3, 2024
2) SPEND LIFETIME PENSION INFLATED
65
$3,556 per mo
https://www. safemoneysinger.com/income- only-brochures
Page 11
Jonny SAMPLE
$4,627 AMOUNT
3) SPEND TERM CERTAIN LEVEL DEAD OR ALIVE (ANY CHOICE OF) 5 TO 30 YEARS DURATION Your Top 3 Monthly Carriers : USAA $4,627
3) SPEND TERM CERTAIN LEVEL DEAD OR ALIVE (ANY CHOICE OF) 5 TO 30 YEARS DURATION
$2,174
DECLARABLE TO IRS : income start 5 CERTAIN YEARS IN THIS EXAMPLE:
years
Symetra Pac Life
$4,518
17
$4,480 Rates are valid for 5/3/2024
Jonny SAMPLE
GUARANTEED BENEFITS BELOW
TOTALS
BUDGET AFTER ANNUITY
HOW TO INTERPRET THIS CHART: BASED ON OUR CURRENT MONTHLY EXPENSES OF :
GUARANTEED CASH FLOW based on annual benefit divided by ORIGINAL PREMIUM paid
PAID
$500,000
$500,000
DEFICIT / SURPLUS
RECEIVED
$943,908
$943,908
ANNUAL
$55,524
$55,524
MONTHLY
$4,627
$4,627
MONTHLY
CUMULATIVE
AGE YEAR
$3,400 Inflating Each Year at :
$873 $10,478 $798 $20,054 $721 $28,712 $643 $36,432 $564 $43,196 $482 $48,985 $400 $53,780 $315 $57,559 $229 $60,304 $141 $61,993
65 1 $4,627
11.10%
$4,627 $55,524
66 2 $4,627
11.10%
$4,627 $55,524
67 3 $4,627
11.10%
$4,627 $55,524
2%
68 4 $4,627
11.10%
$4,627 $55,524
69 5 $4,627
11.10%
$4,627 $55,524
THAT EXISTS
70 6 $4,627
11.10%
$4,627 $55,524
NOW, BEFORE AND IN: EVERY YEAR OF RETIREMENT AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
71 7 $4,627
11.10%
$4,627 $55,524
72 8 $4,627
11.10%
$4,627 $55,524
73 9 $4,627
11.10%
$4,627 $55,524
74 10 $4,627
11.10%
$4,627 $55,524
$51 -$40
$62,606 $62,120
75 11 $4,627
11.10%
$4,627 $55,524
76 12 $4,627
11.10%
$4,627 $55,524
-$134 $60,514 -$229 $57,766 -$326 $53,852 -$425 $48,749 -$526 $42,434 -$5,256 -$20,642 -$5,361 -$84,979 -$5,469 -$150,603 -$5,578 -$217,540 -$5,690 -$285,816 -$5,803 -$355,457 -$5,919 -$426,490 -$6,038 -$498,945 -$6,159 -$572,848 -$6,282 -$648,230 -$6,407 -$725,119 -$6,536 -$803,546 -$6,666 -$883,542
77 13 $4,627
11.10%
$4,627 $55,524
$500,000
78 14 $4,627
11.10%
$4,627 $55,524
79 15 $4,627
11.10%
$4,627 $55,524
80 16 $4,627
11.10%
$4,627 $55,524
THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS
81 17 $4,627
11.10%
$4,627 $55,524
82 18
$0
0.00%
$0
83 19
$0
0.00%
$0
-$883,542
84 20
$0
0.00%
$0
85 21
$0
0.00%
$0
86 22
$0
0.00%
$0
IN ORDER TO SURVIVE RETIREMENT
87 23
$0
0.00%
$0
88 24
$0
0.00%
$0
89 25 90 26 91 27 92 28 93 29 94 30
$0
0.00%
$0 $0 $0 $0 $0 $0
OR WE WILL HAVE A WONDERFUL SURPLUS OF : -$883,542
$0 $0 $0 $0 $0
0.00%
0.00%
0.00%
0.00%
0.00%
"There are two ways of being happy: We may either diminish our wants or augment our means — either will do — the result is the same; and it is for each man to decide for himself, and do that which happens to be the easiest" - Benjamin Franklin
Page 12
Jonny SAMPLE
3) SPEND TERM CERTAIN LEVEL DEAD OR ALIVE (ANY CHOICE OF) 5 TO 30 YEARS DURATION
START AT AGE:
May 3, 2024
65 17
YEARS
For a Term in Years (in this example) DEAD OR ALIVE of Exactly:
$4,627 PER
MO.
Page 13
Jonny SAMPLE
$3,064
YOUR TOP 3
TERM IN YEARS
RATING
4) SPEND INTEREST ON PRINCIPAL ONLY FOR 10 YEARS
American National
AMOUNT DECLARABLE TO IRS : income starts in 5
$3,064
5
A-
5.55%
American National
BEST 10 YEAR RATE 5.60%
STARTING RETIREMENT BALANCE
PREMIUM NOW
years
7
A
5.55%
Equitrust
$500,000
$656,583
Jonny SAMPLE
10
B+
5.60%
HOW TO INTERPRET THIS CHART: BASED ON OUR CURRENT MONTHLY EXPENSES OF :
GUARANTEED BENEFITS BELOW
TOTALS
BUDGET AFTER ANNUITY
GUARANTEED CASH FLOW based on annual benefit divided by ORIGINAL PREMIUM paid
PAID
$500,000
$500,000
DEFICIT / SURPLUS
RECEIVED
$183,843
$183,843
ANNUAL
$36,769
$36,769
MONTHLY RETIREMENT BALANCE :
$3,064
$3,064
MONTHLY
CUMULATIVE
$656,583
$3,400
AGE YEAR
INTEREST ONLY
-$690 -$8,278 -$765 -$17,457 -$841 -$27,554 -$920 -$38,589 -$999 -$50,581 -$4,145 -$100,316 -$4,227 -$151,045 -$4,312 -$202,789 -$4,398 -$255,569 -$4,486 -$309,403 -$4,576 -$364,315 -$4,667 -$420,324 -$4,761 -$477,454 -$4,856 -$535,727 -$4,953 -$595,165 -$5,052 -$655,791 -$5,153 -$717,630 -$5,256 -$780,706 -$5,361 -$845,044 -$5,469 -$910,668 -$5,578 -$977,605 -$5,690 -$1,045,880 -$5,803 -$1,115,521 -$5,919 -$1,186,555 -$6,038 -$1,259,010 -$6,159 -$1,332,913 -$6,282 -$1,408,295 -$6,407 -$1,485,184 -$6,536 -$1,563,611 -$6,666 -$1,643,607
Inflating Each Year at :
65 1
$3,064
$3,064
$36,769
7.35%
2%
66 2
$3,064
$3,064
$36,769
7.35%
67 3
$3,064
$3,064
$36,769
7.35%
THAT EXISTS
68 4
$3,064
$3,064
$36,769
7.35%
NOW, BEFORE AND IN:
69 5
$3,064
$3,064
$36,769
7.35%
70 6
$0
$0
Must Be
0.00%
EVERY YEAR OF RETIREMENT
71 7
$0
$0
Re-Invested
0.00%
72 8
$0
$0
At this point
0.00%
73 9
$0
$0
0.00%
AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
74 10
$0
$0
0.00%
75 11
$0
$0
0.00%
TOTALS
76 12
$0
$0
0.00%
77 13
$0
$0
0.00%
78 14
$0
$0
0.00%
THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS
79 15
$0
$0
0.00%
80 16
$0
$0
0.00%
81 17
$0
$0
0.00%
-$1,485,184
82 18
$0
$0
0.00%
83 19
$0
$0
0.00%
84 20
$0
$0
0.00%
IN ORDER TO SURVIVE RETIREMENT
85 21
$0
$0
0.00%
86 22
$0
$0
0.00%
87 23
$0
$0
0.00%
OR WE WILL HAVE A WONDERFUL SURPLUS OF :
88 24
$0
$0
0.00%
89 25 90 26 91 27 92 28 93 29 94 30
$0
$0
0.00%
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
0.00%
-$1,485,184
0.00%
0.00%
0.00%
0.00%
Take the Challenge: See When a LIFETIME Income Guarantee Benefit Outlasts the Power of Fixed Interest (page 35)
Page 14
Jonny SAMPLE
Spend 4
Jonny SAMPLE
$500,000
$3,064
per month
5/3/2024
RATES ARE VALID FOR :
SPEND WITH FIXED RATES
American National
American National
Equitrust
A-
A
B+
5 years
7 years
10 years
GUARANTEED BALANCES AVAILABLE TODAY
End of year:
Your age
5.55% liquidity 5.55% liquidity
5.60%
liquidity
$527,750 $52,775 $527,750 $52,775 $557,040 $55,704 $557,040 $55,704 $587,956 $58,796 $587,956 $58,796 $620,587 $62,059 $620,587 $62,059 $655,030 $65,503 $655,030 $65,503
$528,000 $557,568 $588,792 $621,764 $656,583 $693,352 $732,179 $773,181 $816,479 $862,202
$29,568 $31,224 $32,972 $34,819 $36,769 $38,828 $41,002 $43,298 $45,723 $48,283
60 1
61 2
62 3
63 4
64 5
$691,384 $69,138 $729,756 $72,976
65 6
66 7
MUST RE- INVEST
67 8
MUST RE- INVEST
68 9
69 10
MUST RE-INVEST
70 11
Hundreds of fixed rates available TODAY !! Click Below : https://www.safemoneysinger.com/todays-fixed-rates
Page 15
Jonny SAMPLE
$5,113
5. SPEND INDEX INCOME RIDER (with access to remaining principal) Your Top 3 Monthly Carriers :
5. SPEND INDEX INCOME RIDER (with access to remaining principal)
?
AMOUNT DECLARABLE TO IRS :
Equitrust
$5,113 $4,604
Eagle
income starts in 5 years
Aspida $4,600 Rates are valid for 5/3/2024
Jonny SAMPLE
GUARANTEED BENEFITS BELOW
TOTALS
BUDGET AFTER ANNUITY
GUARANTEED CASH FLOW based on annual benefit
HOW TO INTERPRET THIS CHART: BASED ON OUR CURRENT MONTHLY EXPENSES OF :
PAID
$500,000
$500,000
divided by ORIGINAL PREMIUM paid
DEFICIT / SURPLUS
RECEIVED
$1,840,680
$1,840,680
ANNUAL
$61,356
$61,356
MONTHLY
$5,113
$5,113
CUMULATIVE
MONTHLY
$3,400 Inflating Each Year at :
$1,359 $16,310
$5,113
$5,113 $61,356
12.27%
65 1
$1,284 $31,718
$5,113
12.27%
$5,113 $61,356
66 2
$1,207 $46,208
$5,113
12.27%
$5,113 $61,356
67 3
2%
$1,129 $59,760
$5,113
12.27%
$5,113 $61,356
68 4
$1,050 $72,356
$5,113
12.27%
$5,113 $61,356
69 5
THAT EXISTS
$968 $83,977
$5,113
12.27%
$5,113 $61,356
70 6
NOW, BEFORE AND IN:
$886 $94,604
$5,113
12.27%
$5,113 $61,356
71 7
$801 $104,215
$5,113
12.27%
$5,113 $61,356
72 8
EVERY YEAR OF RETIREMENT AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
$715 $112,792
$5,113
12.27%
$5,113 $61,356
73 9
$627 $120,313
$5,113
12.27%
$5,113 $61,356
74 10
$537 $126,758
$5,113
12.27%
$5,113 $61,356
75 11
$446 $132,104
$5,113
12.27%
$5,113 $61,356
76 12
$352 $136,330
$5,113
12.27%
$5,113 $61,356
77 13
$257 $139,414
$5,113
12.27%
$500,000
$5,113 $61,356
78 14
$160 $141,332
$5,113
12.27%
$5,113 $61,356
79 15
$61 $142,061
$5,113
12.27%
$5,113 $61,356
80 16
THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS
-$40 $141,578
$5,113
12.27%
$5,113 $61,356
81 17
-$143 $139,858
$5,113
12.27%
$5,113 $61,356
82 18
-$248 $136,877
$5,113
12.27%
$5,113 $61,356
83 19
-$356 $132,609
$5,113
12.27%
$13,230
$5,113 $61,356
84 20
-$465 $127,028
$5,113
12.27%
$5,113 $61,356
85 21
IN ORDER TO SURVIVE RETIREMENT
-$577 $120,108
$5,113
12.27%
$5,113 $61,356
86 22
-$690 $111,823
$5,113
12.27%
$5,113 $61,356
87 23
-$806 $102,146
$5,113
12.27%
$5,113 $61,356
88 24
-$925 $91,047
$5,113
12.27%
$5,113 $61,356
89 25
OR WE WILL HAVE A WONDERFUL SURPLUS OF :
-$1,046 $78,500
$5,113
12.27%
$5,113 $61,356
90 26
-$1,169 $64,474
$5,113
12.27%
$5,113 $61,356
91 27
-$1,294 $48,941
$5,113
12.27%
$5,113 $61,356
92 28
-$1,423 $31,870
$5,113
12.27%
$13,230
$5,113 $61,356
93 29
-$1,553 $13,230
$5,113
12.27%
$5,113 $61,356
94 30
per-spec-tive (latin) "the science of optics"
PERSPECTIVE HELPS When Reading Annuity Quotations
Page 16
Jonny SAMPLE
5. SPEND INDEX INCOME RIDER (with access to remaining principal)
65
May 3, 2024
$5,113
PER
MO.
Page 17
Jonny SAMPLE
$5,113
6. SPEND INDEX WITH INCOME RIDER / LTC MULTIPLIER (with access to remaining principal)
6. SPEND INDEX WITH INCOME RIDER / LTC MULTIPLIER (with access to remaining principal)
?
AMOUNT DECLARABLE TO IRS :
Your Top 3 Monthly Carriers :
Equitrust
$5,113 $4,604
Eagle
income starts in 5 years
Aspida $4,600 Rates are valid for 5/3/2024
Jonny SAMPLE
TOTALS
BUDGET AFTER ANNUITY
GUARANTEED BENEFITS BELOW
GUARANTEED CASH FLOW based on annual benefit divided by ORIGINAL PREMIUM paid
HOW TO INTERPRET THIS CHART: BASED ON OUR CURRENT MONTHLY EXPENSES OF : $3,400
PAID
$500,000
$500,000
DEFICIT / SURPLUS
RECEIVED $2,147,460
$2,147,460
ANNUAL
$61,356
$61,356
MONTHLY
$5,113
$5,113
CUMULATIVE
MONTHLY
$1,359 $1,284 $1,207 $1,129 $1,050
$16,310 $31,718 $46,208 $59,760 $72,356 $83,977 $94,604 $104,215 $112,792 $120,313 $126,758 $132,104
$5,113 $61,356
12.27%
65 1
$5,113
$5,113 $61,356
12.27%
$5,113
66 2
Inflating Each Year at :
$5,113 $61,356
12.27%
$5,113
67 3
2%
$5,113 $61,356
12.27%
$5,113
68 4
$5,113 $61,356
12.27%
$5,113
69 5
THAT EXISTS
$968 $886 $801 $715 $627 $537 $446
$5,113 $61,356
12.27%
$5,113
70 6
NOW, BEFORE AND IN: EVERY YEAR OF RETIREMENT AND USING ANNUITY PREMIUM IN THIS CHART OF SPECIFICALLY
$5,113 $61,356
12.27%
$5,113
71 7
$5,113 $61,356
12.27%
$5,113
72 8
$5,113 $61,356
12.27%
$5,113
73 9
$5,113 $61,356
12.27%
$5,113
74 10
$5,113 $61,356
12.27%
$5,113
75 11
$5,113 $61,356
12.27%
$5,113
76 12
$10,930 $263,269 $10,740 $392,148 $10,546 $518,696 $10,348 $642,867 $10,145 $764,612
$10,226 $122,712
24.54%
$10,226
77 13
$500,000 THEN WE WILL HAVE TO SPEND FROM OUR RETIREMENT SAVINGS $636,264 IN ORDER TO SURVIVE RETIREMENT
$10,226 $122,712
24.54%
$10,226
78 14
$10,226 $122,712
24.54%
$10,226
79 15
$10,226 $122,712
24.54%
$10,226
80 16
24.54%
$10,226 $122,712
$10,226
81 17
-$143 -$248 -$356 -$465 -$577 -$690 -$806 -$925
$762,892 $759,911 $755,643 $750,062 $743,142 $734,857 $725,180 $714,081
$5,113 $61,356
12.27%
$5,113
82 18
$5,113 $61,356
12.27%
$5,113
83 19
$5,113 $61,356
12.27%
$5,113
84 20
$5,113 $61,356
12.27%
$5,113
85 21
$5,113 $61,356
12.27%
$5,113
86 22
$5,113 $61,356
12.27%
$5,113
87 23
$5,113 $61,356
12.27%
$5,113
88 24
$5,113 $61,356
12.27%
$5,113
89 25
OR WE WILL HAVE A WONDERFUL SURPLUS OF :
-$1,046 $701,534 -$1,169 $687,508 -$1,294 $671,975 -$1,423 $654,904 -$1,553 $636,264
$5,113 $61,356
12.27%
$5,113
90 26
$5,113 $61,356
12.27%
$5,113
91 27
$5,113 $61,356
12.27%
$5,113
92 28
$636,264
$5,113 $61,356
12.27%
$5,113
93 29
$5,113 $61,356
12.27%
$5,113
94 30
Inescapably We Careen Towards an End ..... An Awareness of Such Affects Decisions Large and Small
Page 18
Jonny SAMPLE
May 3, 2024
6. SPEND INDEX WITH INCOME RIDER / LTC MULTIPLIER (with access to remaining principal)
$5,113
per month
https://www.safemoneysinger.com/about
Page 19
Jonny SAMPLE
(4) Insurance Contracts Designed :
FOR SAFE ANNUAL GROWTH
(Based on the Premium You Suggested)
Page 20
Jonny SAMPLE
7) SAVE
Jonny SAMPLE
$500,000
$3,064
per month
5/3/2024 SAVE WITH FIXED RATES
RATES ARE VALID FOR :
American National
American National
Equitrust
A-
A
B+
5 years
7 years
10 years
GUARANTEED BALANCE IF INTEREST NOT TAKEN
End of year:
Your age
5.55% 5.55% 5.60%
$527,750 $557,040 $587,956 $620,587 $655,030
$527,750 $557,040 $587,956 $620,587 $655,030 $691,384 $729,756
$528,000 $557,568 $588,792 $621,764 $656,583 $693,352 $732,179 $773,181 $816,479 $862,202
60 1
61 2
62 3
63 4
64 5
65 6
66 7
MUST RE- INVEST
67 8
MUST RE- INVEST
68 9
69 10
MUST RE-INVEST
70 11
Hundreds of fixed rates available TODAY !! Click Below : https://www.safemoneysinger.com/todays-fixed-rates
Page 21
Jonny SAMPLE
May 3, 2024 10.00% max annual
Jonny SAMPLE
for:
Save with LOCKED-IN Annual S&P CAP for entire annuity term
https://www.safemoneysinger.com/mass-mutual-ascend-legend
Page 22
Jonny SAMPLE
8) SAVE WITH LOCKED IN S&P CAP RATE FOR 7 YEARS
TODAYS RATES
VALUES
$500,000
PAID
CURRENT S&P CAP RATE LOCKED IN FOR 7 YEARS
Jonny SAMPLE
HYPOTHETICAL BALANCE TO TERM
10.00%
$716,030
May 3, 2024
CURRENT S&P CAP APPLIED
ACTUAL YIELD APPLIED
RANDOM S&P YIELD
END OF YEAR YIELD APPLIED TO BALANCE
ANNUAL LIQUIDITY
4.23% 0.00% 10.00% 10.00% 6.19% 6.93% 0.00%
4.23%
10.00%
$521,150
$52,115
60 1
-8.13%
10.00%
$521,150
$52,115
61 2
12.13%
10.00%
$573,265
$57,327
62 3
15.16%
10.00%
$630,592
$63,059
63 4
6.19%
10.00%
$669,625
$66,963
64 5
6.93%
10.00%
$716,030
$71,603
65 6
0.00%
10.00%
$716,030
$71,603
66 7
67 8
CONTRACT TERMINATES; FUNDS MAY BE RE-INVESTED AT THIS POINT
68 9
69 10
70 11
UNIQUE FEATURE OF THIS TYPE OF INDEXED ANNUITY :
LOCKED IN CAP RATE
71 12
72 13
73 14
10% YES YES A++
Annual Liquidity
74 15
Nursing Home Waiver
75 16
CAP RATES LOCKED IN FOR TERM INSURANCE COMPANY RATING
76 17
77 18
CURRENT CAP RATE OFFERED ON S&P 10.00%
78 19
NO, JUST THE S&P
OTHER INDICES WITH LOCKED IN CAPS ? OTHER INDICES WITH ADJUSTABLE RATES ?
79 20
YES
80 21
Is THERE AN INCOME RIDER Available ? Yes
81 22
NO, only on the rider if chosen
Is THERE AN AUTOMATIC FEE ?
82 23
83 24
84 25
85 26
You MUST order your HISTORICAL ILLUSTRATION from the insurer in order to ascertain how this annuity might perform 86 27 87 28 88 29
89 30
https://www.safemoneysinger.com/INDEX-ANNUITY-BROCHURES
Page 23
Jonny SAMPLE
Jonny SAMPLE
May 3, 2024
for
20% Bonus Annuity
https://www.safemoneysinger.com/midland-index-builder
Page 24
Jonny SAMPLE
9) SAVE WITH HUGE FIRST YEAR BONUS ANNUITY
$$$ Bonus in first 24 hours
TODAYS RATES
Premium
CURRENT (Non Guaranteed after first year) S&P CAP RATE FOR 10 YEARS
$500,000
PAID
$100,000
Jonny SAMPLE
HYPOTHETICAL BALANCE TO TERM
6.00%
$964,422 20.00%
May 3, 2024
CURRENT S&P CAP APPLIED
ACTUAL YIELD APPLIED
ANNUAL LIQUIDITY (USING 10%)
RANDOM S&P YIELD
END OF YEAR YIELD APPLIED TO BALANCE
6.00% 0.00% 6.00% 6.00% 6.19% 6.93% 0.00% 5.78% 6.00% 6.00%
7.00%
6.00%
$636,000
$63,600
60 1
-8.13%
6.00%
$636,000
$63,600
61 2
12.13%
6.00%
$674,160
$67,416
62 3
15.16%
6.00%
$714,610
$71,461
63 4
6.19%
6.00%
$758,844
$75,884
64 5
6.93%
6.00%
$811,432
$81,143
65 6
0.00%
6.00%
$811,432
$81,143
66 7
5.78%
6.00%
$858,333
$85,833
67 8
12.05%
6.00%
$909,833
$90,983
68 9
9.23%
6.00%
$964,422
$96,442
69 10
70 11
CONTRACT TERMINATES; FUNDS MAY BE RE-INVESTED AT THIS POINT
71 12
72 13
73 14
UNIQUE FEATURE OF THIS TYPE OF INDEXED ANNUITY :
FIRST YEAR BONUS
74 15
75 16
76 17
Annual Liquidity
10% -20% (IF PRIOR YEAR NOT TAKEN)
77 18
Nursing Home Waiver
YES
78 19
CAP RATES LOCKED IN FOR TERM INSURANCE COMPANY RATING
NO
79 20
A+
80 21
CURRENT CAP RATE OFFERED ON S&P 6.00%
81 22
OTHER INDICES WITH ADJUSTABLE RATES ? INCOME RIDER AVAILABLE ?
YES
82 23
NOT on this plan, but easily available elsewhere
83 24
84 25
85 26
You MUST order your HISTORICAL ILLUSTRATION from the insurer in order to ascertain how this annuity might perform 86 27 87 28 88 29
89 30
https://www.safemoneysinger.com/order 1'st day bonus annuities generally do not have as high crediting rates as non bonus plans
90 31
Page 25
Jonny SAMPLE
May 3, 2024
for :
Jonny SAMPLE
sample death benefit equalling: on principal + annual credited interest accumulating at a multiple of 150%
40%
https://www.safemoneysinger.com/allianz-222
Page 26
Jonny SAMPLE
10) SAVE FOR LEGACY WITH DEATH BENEFIT BONUS CONTRACT
TODAYS RATES
VALUES
CURRENT S&P CAP RATE HYPOTHETICALLY LOCKED IN FOR 10 YEARS
DEATH BENEFIT BONUS APPLIED DAY 1
$500,000
Jonny SAMPLE
PAID
HYPOTHETICAL BALANCE TO TERM
6.00%
$1,381,839 40.00%
May 3, 2024
ACTUAL YIELD APPLIED TO DEATH BENEFIT WITH 150% ANNUAL INCENTIVE
CURRENT S&P CAP APPLIED
RANDOM S&P YIELD
END OF YEAR YIELD APPLIED TO BALANCE
ANNUAL LIQUIDITY
6.35% 0.00% 9.00% 9.00% 9.29% 10.40% 0.00% 9.00% 9.00% 9.00%
4.23%
9.00%
$744,415
$74,442
60 1
-8.13%
6.00%
$744,415
$74,442
61 2
12.13%
6.00%
$811,412
$81,141
62 3
15.16%
6.00%
$884,439
$88,444
63 4
6.19%
6.00%
$966,560
$96,656
64 5
6.93%
6.00%
$1,067,034
$106,703
65 6
0.00%
6.00%
$1,067,034
$106,703
66 7
5.78%
6.00%
$1,163,067
$116,307
67 8
12.05%
6.00%
$1,267,743
$126,774
68 9
9.23%
6.00%
$1,381,839
$138,184
69 10
70 11
CONTRACT TERMINATES; FUNDS MAY BE RE-INVESTED AT THIS POINT
71 12
72 13
73 14
UNIQUE FEATURE OF THIS TYPE OF INDEXED ANNUITY :
DEATH BENEFIT BONUS
74 15
75 16
CURRENT INCENTIVED RATE ON ANNUAL INTEREST : CURRENT BONUS ON DEATH BENEFIT
150%
40%
76 17
Annual Liquidity
10%
77 18
Nursing Home Waiver
YES
78 19
CAP RATES LOCKED IN FOR TERM INSURANCE COMPANY RATING
NO
79 20
A+
80 21
CURRENT CAP RATE OFFERED ON S&P OTHER INDICES WITH LOCKED IN CAPS ?
6.00%
81 22
NO
82 23
OTHER INDICES WITH ADJUSTABLE RATES ? YES
83 24
Is THERE AN INCOME RIDER Available ?
YES
84 25
85 26
You MUST order your HISTORICAL ILLUSTRATION from the insurer in order to ascertain how this annuity might perform 86 27 87 28
https://www.safemoneysinger.com/INDEX-ANNUITY-BROCHURES
88 29
89 30
90 31 THIS LARGE DEATH BENEFIT IS AVAILABLE 60 DAYS AFTER ISSUE IF WITHDRAWN OVER A MINIMUM TIME PERIOD OF 5 YEARS
Page 27
Jonny SAMPLE
The PROCESS to OBTAIN Your Annuity
Page 28
Jonny SAMPLE
https://www.safemoneysinger.com/insurance-company-profiles Know Your Insurers
Page 29
Jonny SAMPLE
Know Your Annuity Agent
CA Department of Insurance - type "alden", "james"
https://cdicloud.insurance.ca.gov/cal/IndividualNameSearch
"About ME" Page on Website https://www.safemoneysinger.com/about
POPULAR VIDEOS
SALES COMMISSIONS : https://www.safemoneysinger.com/annuity- agent-commissions
" MORTALITY CREDITS" https://www.safemoneysinger.com/paradigm- shift-in-income-planning
Poetic Commitment to Agent Transparency in Annuty Understanding
https://www.safemoneysinger.com/i-dont-care-manifesto
Page 30
Jonny SAMPLE
Invitation for Understanding
safemoneysinger.com/order
Annuities are About Attraction, Not Promotion Choose from the Box the Ones that You Like
Depending upon where your funds are located now, the agent will tell you how funds get from point "A" to Point "B". The agent never handles the funds personally, but merely furnishes for you the paperwork you need to transfer funds between institutions. Example of Typical Shopper Feedback: "I like Income Plans # 2 and # 5. Perhaps I can split funds? Also, I wish to change my premium amount to "X" instead and change the income start date to 36 months from now. What would that pay me? Please show me the top 3 carriers for those parameters, as well as the Mass Mutual Index illustration thank you..."
Page 31
Jonny SAMPLE
For Brainiacs Only: Your Income Explanations
(Based on the Premium You Suggested)
Page 32
Jonny SAMPLE
Synopsis of all 6 INCOME PLANS for:
Jonny SAMPLE
HIGHEST INCOME BENEFITS HIGHLIGHTED GREEN
3) SPEND TERM CERTAIN LEVEL DEAD OR ALIVE (ANY CHOICE OF) 5 TO 30 YEARS DURATION
6. SPEND INDEX WITH INCOME RIDER / LTC MULTIPLIER (with access to remaining principal)
4) SPEND INTEREST ON PRINCIPAL ONLY FOR 10 YEARS
5. SPEND INDEX INCOME RIDER (with access to remaining principal)
TYPE OF PAYMENT
1) SPEND LIFETIME LEVEL PENSION
2) SPEND LIFETIME PENSION INFLATED
$500,000
$500,000
$500,000 $943,908 $42,672
$500,000
$500,000
$500,000
PAID
$1,554,840
$1,731,121
#REF!
$1,840,680
$2,147,460
RECEIVED
$36,769
$51,828
$55,524
$61,356
$61,356
ANNUAL
$3,064
$4,319
$3,556
$4,627
$5,113
$5,113
MONTHLY
MONTHLY PAYMENTS
AGE YEAR
$4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319
$3,556 $3,627 $3,700 $3,774 $3,849 $3,926 $4,005 $4,085 $4,166 $4,250 $4,335 $4,421 $4,510 $4,600 $4,692 $4,786 $4,882 $4,979 $5,079 $5,180 $5,284 $5,390 $5,498 $5,607 $5,720 $5,834 $5,951 $6,070 $6,191 $6,315
$4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627 $4,627
$3,064 $3,064 $3,064 $3,064
$5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113
$5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $10,226 $10,226 $10,226 $10,226 $10,226 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113
65 1
66 2
67 3
68 4
69 5
70 6
#REF! #REF!
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#REF!
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MUST RE- INVEST FUNDS HOPEFULLY AT A HIGHER RATE OF INTEREST
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Page 33
Jonny SAMPLE
Find Your Break Even Point Between Guaranteed Level and Inflated Payments Green Shaded Values are the Highest Jonny SAMPLE $500,000 May 3, 2024 2.00%
LIFETIME PENSION INFLATED
LIFETIME PENSION LEVEL
CUMULATIVE
CUMULATIVE
INDEX INCOME LEVEL
CUMULATIVE
$4,319
$3,556
$5,113
AGE YEAR
$4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319 $4,319
$51,828 $103,656 $155,484 $207,312 $259,140 $310,968 $362,796 $414,624 $466,452 $518,280 $570,108 $621,936 $673,764 $725,592 $777,420 $829,248 $881,076 $932,904 $984,732 $1,036,560 $1,088,388 $1,140,216 $1,192,044 $1,243,872 $1,295,700 $1,347,528 $1,399,356 $1,451,184 $1,503,012 $1,554,840
$3,556 $3,627 $3,700 $3,774 $3,849 $3,926 $4,005 $4,085 $4,166 $4,250 $4,335 $4,421 $4,510 $4,600 $4,692 $4,786 $4,882 $4,979 $5,079 $5,180 $5,284 $5,390 $5,498 $5,607 $5,720 $5,834 $5,951 $6,070 $6,191 $6,315
$42,672 $86,197 $130,593 $175,877 $222,067 $269,180 $317,236 $366,252 $416,250 $467,246 $519,263 $572,321 $626,439 $681,640 $737,945 $795,376 $853,955 $913,706 $974,652 $1,036,817 $1,100,226 $1,164,902 $1,230,872 $1,298,162 $1,366,797 $1,436,805 $1,508,213 $1,581,049 $1,655,342 $1,731,121
$5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113 $5,113
$61,356 $122,712 $184,068 $245,424 $306,780 $368,136 $429,492 $490,848 $552,204 $613,560 $674,916 $736,272 $797,628 $858,984 $920,340 $981,696 $1,043,052 $1,104,408 $1,165,764 $1,227,120 $1,288,476 $1,349,832 $1,411,188 $1,472,544 $1,533,900 $1,595,256 $1,656,612 $1,717,968 $1,779,324 $1,840,680
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Page 34
Jonny SAMPLE
When your Income Guarantee OUTLIVES the Fixed Rate Guarantee THE PREMISE of the Annuity Industry's Offer of LIFETIME INCOME
EARNINGS ON PRINCIPAL "FANTASIES"
REALITY
PREMIUM
$500,000
BEST ANNUITY LIFETIME INCOME
"I can live off my high interest rates forever, interest rates will always be high, and my financial institution will allow me to take as much money out each month as I need to even though I am in a high fixed rate for a term"
BALANCE AT RETIREMENT $656,583 HIGHEST FIXED RATE
HIGHEST INCOME RATE
5.60%
12.27%
COMPOUNDED FIXED INTEREST AND NO WITHDRAWALS
EARNINGS GUARANTEE ON INCOME START DATE
LIFETIME INCOME GUARANTEE ON INCOME START DATE
IF IT WERE POSSIBLE, WITHDRAW THE SAME INCOME BENEFIT OF COLUMN C FROM COLUMN A
5.60%
$36,769
$61,356
A
B
C
YEARS / AGE
$656,583 $693,352 $732,179 $773,181 $816,479 $862,202 $910,486 $961,473 $1,015,315 $1,072,173 $1,132,215 $1,195,619 $1,262,573 $1,333,277 $1,407,941 $1,486,786 $1,570,046 $1,657,968 $1,750,814 $1,848,860 $1,952,396 $2,061,730 $2,177,187 $2,299,110 $2,427,860 $2,563,820 $2,707,394 $2,859,008 $3,019,113 $3,188,183 $3,366,721 $3,555,257 $3,754,352 $3,964,596 $4,186,613
1 2 3 4 5 6 7 8 9
65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99
$595,227 $567,204 $537,611 $506,361 $473,362 $438,514 $401,715 $362,855 $321,818 $278,484 $232,723 $184,400 $133,370 $79,483 $22,578 -$37,514 -$100,970 -$167,981 -$238,744 -$313,469 -$392,380 -$475,709 -$563,705 -$656,628 -$754,755 -$858,377 -$967,803 -$1,083,356 -$1,205,379 -$1,334,237 -$1,470,310 -$1,614,003 -$1,765,743 -$1,925,981 -$2,095,192
$61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356 $61,356
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
5.60%
Forever Forever
Assumption # 1: You Earn The Rate of : Assumption # 2: ZERO penalties to withdraw:
$61,356 $36,769
To avoid penalties you could put your money under the mattress, but then you would run out by age:
76
$2,147,460
From an Account Earning Forever This column shows when you would run out of $$$
Page 35
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