Hypothetical example
Leaving more to the kids, on purpose
Age
70
Premium
$300,000
Goal
legacy
Worry
Market swings shrinking what his children inherit.
Walt, 70, has his own income covered. He wants a set amount of money to pass to his two children, and he wants that amount to grow while he waits.
What we compared
Three annuities with a death benefit that grows by a guaranteed roll up rate.
| Option | Death benefit roll up | Roll up period | Surrender term | A.M. Best |
|---|---|---|---|---|
| Option A | 10.00% | 15 years | 10 years | A |
| Option B | 10.00% | 10 years | 10 years | A |
| Option C | 8.00% | 15 years | 10 years | A |
A roll up rate grows the death benefit, not the account value. Rider terms and costs vary; the full report covers them on a call. Live rates, refreshed nightly. Shown without a state filter; availability differs by state.
What Walt chose
Walt chose Option A for the highest guaranteed roll up. The trade off he accepted: the growing amount goes to his heirs as a death benefit, not to him as cash.
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, 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.