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Potential guaranteed level income starting at age 60
$6,200
per year
Monthly income
$517
Total by age 90
$192,200
$200,000
Income covers
55
65
Income can begin right away.

What you put in vs. what comes back

You put in
$100,000
Income beyond what you put in
$92,200
Payments can potentially increase if you need care
Normal
$517
Potential if care is needed (2×)
$1,033
Payments can potentially double if you cannot perform 2 of 6 activities of daily living or are confined to a care facility, for as long as you qualify. Subject to eligibility: generally after age 60 and 3 contract years, while the account has value.

Estimate only, using a representative payout schedule that is intentionally conservative. Actual rates, payout percentages and features are set by the issuing insurer and can differ. Guarantees rely on the claims-paying ability of the insurer. Not a contract or an offer.

Important disclosures

This is a hypothetical estimate for educational purposes only. It is not an offer, a contract, an illustration of any specific insurance product, or a guarantee of future results. The figures are produced by a simplified, intentionally conservative model and will differ from any insurer's actual illustration.

Actual income amounts depend on the product selected, the issuing insurance company, the rates and features in effect when a contract is issued, state availability, and the information provided in the application. Only a carrier-prepared illustration and the contract itself describe what any product actually provides.

Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. "Potential" increased payments for care are subject to the eligibility requirements, waiting periods, and limitations of the specific contract and rider, and are not available in all states or on all products.

Annuities are long-term products designed for retirement. Withdrawals beyond contract limits may be subject to surrender charges, market value adjustments, and income taxes, plus a 10% federal penalty before age 59½. Nothing here is tax, legal, or investment advice; consult a qualified professional about your situation.