Living Benefit Calculator
Rank income riders by the income they guarantee.
Enter a client's age, premium, and income-start year, then compare guaranteed lifetime withdrawal benefit riders across carriers - ranked by the guaranteed lifetime income each one pays. Rider terms come from the live rates feed, and the finished comparison attaches back to the contact, lead, or policy it was run for.
Living Benefit Calculator
Agent · J. GarciaAge
62
Premium
$250k
Income at
67
Payout
Single life
Ranked by guaranteed lifetime income / yr
5 riders
- EvergreenIncome Max 10$18,420
- SequoiaSecure Income$17,990
- HarborLifetime Plus$17,210
- NorthriverFoundation GLWB$16,540
- Briar HillSteady Income$15,880
Ranking
Rank GLWB riders by the income they guarantee.
The calculator screens guaranteed lifetime withdrawal benefit (GLWB) riders across carriers and orders them by the guaranteed lifetime income each one produces for a given client. You read the comparison the way the client cares about it - dollars of guaranteed income, not feature checklists.
- Side-by-side ranking of income riders across carriers.
- Sorted by guaranteed lifetime income for the scenario you entered.
- Each row carries the rider terms behind its payout figure.
- Built for the income conversation, not just the brochure spread.
Inputs
Drive it with the client scenario.
Enter the facts of the case: the client's age, the premium, the income-start age, and the payout type. The calculator runs every screened rider against the same scenario, so the ranking reflects this client rather than a generic illustration.
- Client age and premium as the basis for the run.
- Income-start age - immediate or deferred to a target year.
- Payout type so single and joint-life cases rank correctly.
- One scenario applied to every rider for an apples-to-apples read.
Data source
Rider terms come from the rates feed.
Rider data flows from the same rates pipeline that powers the rest of the platform, so a comparison reflects current rider terms rather than a static spreadsheet you have to maintain by hand. When the feed updates, the calculator reads the new terms.
- Rider terms sourced from the live rates feed.
- Comparisons reflect current terms, not a stale local copy.
- Shares the data path with the rates terminal and Index Analyzer.
- No throwaway dataset to keep in sync yourself.
Workflow
Attach the analysis to the client.
A finished comparison attaches back to the contact, lead, or policy it was run for, so the income rationale lives on the record instead of in a one-off PDF. Pair it with the Index Analyzer and the rates terminal when the case turns to the accumulation side.
- Save an analysis back to its originating contact, lead, or policy.
- The income rationale stays on the client timeline.
- Hand off to the Index Analyzer for the accumulation side.
- Cross-reference the rates terminal for current carrier rates.
The rest of the case
The income side pairs with the accumulation side.
- Index AnalyzerWork the accumulation side - compare index crediting strategies and caps once the income rider is chosen.
- Rates terminalThe live carrier rates the calculator reads from - browse current annuity rates in one place.
- IllustrationsTurn the chosen rider and scenario into a full illustration to put in front of the client.
One platform. Your tools. Your data.
Solo from $69, Pro $129, Team for IMOs (min 5 seats) $199/seat - see pricing. Bring your own integrations and the accounts stay yours when you leave.
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