Retirement Income Shield – Fixed Indexed Annuity Calculators
Educational tools for South Jersey pre‑retirees. Estimates only — actual values vary by carrier & contract.
Inputs
Total amount you plan to allocate to the annuity.
Deferral years = start age − current age.
Common GLWB roll‑ups are 5–8% (varies by carrier/product).
If left blank, we’ll auto‑estimate by age (e.g., ~4.5% at 65, ~5.0% at 70).
Results
Deferral Years
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Projected Benefit Base
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Est. Lifetime Income / Year
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Monthly Estimate
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Assumed Income Factor
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Initial Benefit Base (w/ Bonus)
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Heads up:
This tool is educational. Actual GLWB roll‑ups, bonuses, income factors, waiting periods, and rider fees vary by carrier/product and state approval. Always verify with a current illustration.
Disclosures: These calculators are for education only and do not constitute financial, legal, or tax advice. Product availability, features, rates, rider costs, bonuses, and income factors vary by carrier and state (including New Jersey) and are subject to change. Always review a current carrier illustration and product disclosure before making decisions.
