How does a Fixed Index Annuity (FIA) with a Guaranteed Lifetime Withdrawal Benefit (GLWB) work?

An FIA protects your initial principal with a 0% floor against market losses while crediting interest based on an equity index (like the S&P 500). A GLWB rider guarantees a contractually fixed percentage payout for the rest of your life, even if your account value drops to zero.

What is the typical payout percentage for a lifetime annuity at age 65?

Industry lifetime withdrawal rates at age 65 typically range between 5.25% and 6.00% for single life payouts, increasing by approximately 0.10% for every additional year income is deferred.

Fixed Index Annuity & Lifetime Income Solver

Calculate guaranteed lifetime retirement income, income base roll-up compounding, and lifetime payout sums with zero market downside risk.

Premium & Income Deferral Horizon

Guaranteed GLWB

Guaranteed Retirement Income

Guaranteed Annual Income

$20,490.00 / yr

Monthly Check $1,708 / mo

Income Base $372,540

25-Yr Payout $512,250

Income Base Growth (7 Years Deferral) +$122,540 Growth (+49% Roll-Up)

Downside Principal Protection 0% Hard Floor (Zero Losses in Market Crashes)

Retirement Golden Rule Guaranteed checks continue for life even if cash balance reaches \$0

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