Fixed Rate Hypothetical Example 7 Initial Premium = $100,000 Assumed LIR Growth Rate = 6.85%
Contract Year
LIR Growth
Income Base
Withdrawal Factor
Available Annual LIR Income
Age
1 2 3 4 5 6 7 8 9
51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80
6.85% $106,850 6.85% $114,169 6.85% $121,990 6.85% $130,346 6.85% $139,275 6.85% $148,815 6.85% $159,009 6.85% $169,901 6.85% $181,539 6.85% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975 0.00% $193,975
3.60% 3.70% 3.80% 3.90% 4.00% 4.10% 4.20% 4.30% 4.40% 4.50% 4.60% 4.70% 4.80% 4.90% 5.00% 5.10% 5.20% 5.30% 5.40% 5.50% 5.60% 5.70% 5.80% 5.90% 6.00% 6.10% 6.20% 6.30% 6.40% 6.50%
$3,847 $4,224 $4,636 $5,083 $5,571 $6,101 $6,678 $7,306 $7,988 $8,729 $8,923 $9,117 $9,311 $9,505 $9,699 $9,893 $10,087 $10,281 $10,475 $10,669 $10,863 $11,057 $11,251 $11,445 $11,638 $11,832 $12,026 $12,220 $12,414 $12,608
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
In the example above, we assume that during the first 10 years of the contract, the income base will be credited 6.85% annually compounded credited daily. Please note that when the owner chooses to begin receiving income payments, the annual income amount is calculated based on the balance of either the annuity value or income base (whichever is higher).
For the life of the owner, the annual income will remain the same, even if the annuity value drops to zero (assuming no excess withdrawals).
15
AMERICAN NATIONAL / ASIA PLUS 10
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