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Line E · Annuities
Annuity calculators let a prospect project the tax-deferred growth of a fixed annuity, the monthly income a lump sum could buy through an immediate annuity, or the effect of fees and surrender charges on a variable annuity. Agents and advisors receive leads with the premium amount, rate assumptions and time horizon already stated.
What you get
Annuities
The visitor enters an initial premium, any monthly contribution, a guaranteed rate and years to grow. You receive the projected future value and, more importantly, the premium they are ready to place.
4 inputs · 5 results
The visitor enters a lump-sum premium, an annual rate and a payout period. You receive the monthly income they modeled, the premium they have in hand and how long they want income to last.
3 inputs · 5 results
The visitor enters a premium, a gross sub-account return, annual fees, a surrender charge and a time horizon. You receive the projected account value, the surrender value and the growth lost to fees.
5 inputs · 3 results
The visitor enters today's annual care cost, a care inflation rate, years until care, expected duration and the savings they have set aside. You receive the projected future cost and the funding gap in future dollars.
5 inputs · 5 results
Use the fixed annuity calculator for accumulators comparing guaranteed growth, the immediate annuity calculator for people converting a lump sum into income now, and the variable annuity calculator for owners and buyers who need to see how fees and surrender charges affect value. Each produces a lead with a clear next question.
Most states have adopted the NAIC's best-interest revision of the Suitability in Annuity Transactions Model Regulation, which governs recommendations — not educational projections. A calculator that projects growth from the visitor's own assumptions isn't a recommendation, but the conversation it starts must follow your state's suitability and best-interest process.
Variable annuities are securities: the person who recommends or sells one needs the appropriate securities registration as well as an insurance license, and the page should be reviewed under your broker-dealer's rules. Read the annuity suitability guide.
Long-term care, because care costs are the risk that most often derails a retirement-income plan, and the Medicare-age tools for clients approaching 65. A retirement-income page with immediate annuity and long-term care calculators side by side covers both sides of the plan.
FAQ
Answers first, details after.
Three: fixed annuity, immediate annuity and variable annuity. All three are live and included in Enterprise.
It calculates income over a fixed payout period at a rate the visitor enters (a period-certain style projection). Life-contingent payouts depend on age, sex and insurer pricing, which the calculator's definitions explain; your quote process handles that.
Content about variable annuities can be treated as a securities communication. If you're registered with a broker-dealer, have the page reviewed under its advertising and communications procedures before publishing.
No. Fixed annuity growth uses the guaranteed rate the visitor enters; variable annuity returns are hypothetical and net of the fees entered. Every calculator carries a disclaimer saying results are estimates.
Yes. A rollover page with the fixed and immediate annuity calculators lets prospects model both growth and income. Rollover recommendations may carry additional obligations depending on how you're registered.
Premium, contributions, rate or return assumptions, fees, surrender charge and time horizon, plus the results the visitor saw — enough to prepare an illustration before the first conversation.
No. They show pre-tax growth or income. Tax treatment depends on whether the annuity is qualified, the owner's age and the withdrawal method — a topic for the advisor conversation.
Enterprise, at $210 a month or $4,997 once, with a 14-day free trial.
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