Hypothetical example
A paycheck designed to last her lifetime
Age
60
Premium
$250,000
Goal
income
Worry
Running out of money in her late eighties.
Ruth, 60, will have Social Security, but it will not cover her fixed bills. She wants a second check that starts around 67 and is designed to last for her lifetime.
What we compared
Three income annuities quoted for a single life, with income starting around 67.
| Option | Monthly income | Yearly income | Income starts at | Surrender term | A.M. Best |
|---|---|---|---|---|---|
| Option A | $2,908 | $34,892 | 67 | 10 years | A+ |
| Option B | $2,892 | $34,705 | 67 | 10 years | A+ |
| Option C | $2,830 | $33,958 | 67 | 10 years | A |
Real carrier income quotes for her age and coverage, scaled to her premium. Rates as of Oct 11, 2026. Quoted for Texas; availability differs by state.
What Ruth chose
Ruth chose Option A for the highest guaranteed monthly income. The trade off she accepted: money moved into the income benefit is less flexible than cash in the bank.
See your own numbers
You're all set
Here's what you'll get
Both are built from your answers.
Lite report
- Your top matches, ranked
- The rate for your age, state and premium
- Index account, with the annual cap or premium bonus
- Surrender term for each product
- The assumptions we used
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Full report
- Everything in the lite report
- Carrier illustrations side by side, on your figures
- Income projections for the age you would start
- Rider fees, and what each one buys
- The surrender schedule, year by year
- Death benefit and care waiver terms
- A clear answer, including "none of these fit"
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This is a hypothetical example of how a comparison works, not a real client. Options are real products available in Texas, shown without carrier names. Annuity products are issued by insurance companies and not guaranteed by any bank or the FDIC. Results shown are quoted from current carrier-filed rates under the answers you provide. Rates refresh nightly and change without notice. These are quotes under stated inputs, not projections of market performance, not a guarantee of future income, and not a recommendation to purchase. Licensed insurance professionals affiliated with this site receive commissions from issuing insurance companies when an annuity is purchased.