Annuity & Retirement Underwriting Pure Edge Computation

Fixed Index Annuity GLWB Income Rider & Roll-Up Calculator

Model guaranteed lifetime income from Fixed Index Annuities (FIA) featuring Guaranteed Lifetime Withdrawal Benefit (GLWB) riders and contract roll-up provisions.

Formula: Income Base = P × (1 + Roll-Up Rate)^Years; Guaranteed Annual Income = Income Base × Payout Factor

Model Parameters

Initial Annuity Premium

Single premium rollover from IRA, 401(k), or non-qualified brokerage capital.

Deferral Accumulation Period

years

Years before activating lifetime income withdrawals.

Annual Guaranteed Roll-Up Rate

Contractual compound or simple interest rate applied solely to the protected Income Base.

Retirement Age at First Payout

years

Age when guaranteed lifetime withdrawals initiate.

Outputs & Underwriting Summary

Calculation Status

APPROVED

Verified Model

Guaranteed Lifetime Annual Income

$22280.22

Guaranteed Monthly: $1856.69/mo

Protected GLWB Income Base

$401445.37

Payout Rate: 5.55% | Break-Even: Age 78.2

GLWB guaranteed lifetime withdrawal provides $22,280.22/year ($1,856.69/mo) for life starting at age 67, backed by statutory insurance non-forfeiture legal reserves. Protected income base reaches $401,445.37.

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