Fixed Rate + Index Credit Hypothetical Example 7 Initial Premium = $100,000 Assumed LIR Growth Rate = 3.85%
LIR Growth
Contract Year
Income Base
Withdrawal Factor
Available Annual LIR Income
Age
Flat
Index
Total
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
3.85% 6.40% 10.25% $106,850 3.85% 6.40% 10.25% $114,169 3.85% 6.40% 10.25% $121,990 3.85% 0.00% 3.85% $130,346 3.85% 6.40% 10.25% $139,275 3.85% 6.40% 10.25% $148,815 3.85% 0.00% 3.85% $159,009 3.85% 6.40% 10.25% $169,901 3.85% 6.40% 10.25% $181,539 3.85% 6.40% 10.25% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 0.00% $193,975 0.00% 0.00% 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 3.85% annually compounded credited daily. The example then shows how the index credit rate will be applied and credited annually. The index credit will continue to credit the income base until a set number of years or once income withdrawals begin.
Please note that the index credit rate is equal to your index credits earned in the previous year divided by the total amount of your premium allocated to indexed crediting.
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ASIA PLUS 10 / AMERICAN NATIONAL
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