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“What if the market drops?”
A downturn at the wrong time can put added pressure on savings intended to support retirement income.
A clearer view of your retirement paycheck
Will Your Retirement Income Last as Long as You Do?
Use our free Retirement Income Gap Calculator to see whether your guaranteed income may cover your monthly expenses — and where a protected income strategy could help.
Free educational tool • No obligation • Takes only a few minutes
Retirement Income Snapshot
Monthly need
$6,500
Guaranteed
$3,600
Income gap
$2,900
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Identify Your Income Gap
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Protect Against Market Losses
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Create Predictable Retirement Income
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Plan With More Confidence
The retirement income challenge
Retirement Shouldn’t Feel Like Guesswork
Many people enter retirement unsure whether Social Security, pensions, and savings will be enough. Market volatility, rising expenses, and longer life expectancy can make income planning difficult.
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“What if I outlive my savings?”
A longer retirement can mean your assets need to support decades of monthly expenses.
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“What if Social Security isn’t enough?”
Guaranteed income sources may cover only part of the retirement lifestyle you have planned.
Free educational calculator
Get a Simple Retirement Income Snapshot
Compare your expected monthly expenses with income from Social Security, pensions, and other guaranteed sources.
✓ Free educational tool • Your entries remain in your browser
Three simple steps
How It Works
Enter your retirement income goals
Share a few high-level details about your savings, expenses, and expected income.
See your estimated income gap
Get an educational snapshot of how much of your monthly need may be covered.
Request a personalized review
Discuss your results, concerns, and available protection-focused strategies.
Protection-focused education
How a Fixed Indexed Annuity May Help
A Fixed Indexed Annuity may help retirees protect principal from direct market losses, participate in potential index-linked growth, and create optional lifetime income through available riders. Product features, limitations, and fees vary by contract.
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Principal protection
Protection from direct market losses, subject to contract terms and withdrawals.
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Tax-deferred potential
Interest may grow tax-deferred until funds are withdrawn.
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Optional lifetime income
Available riders may create income for life and can involve additional fees.
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Protection-focused strategy
One potential component of a broader retirement income approach.
See Where You Stand Before You Retire
The sooner you understand your income gap, the sooner you can build a plan to help protect your retirement paycheck.
Use the Free CalculatorComplimentary review
Request Your Retirement Income Shield Review
We can help you review your estimated income gap, market risk exposure, and options that may support a more predictable retirement paycheck.
Thank you. Your review request has been received.
Common questions
Retirement Income Calculator FAQ
What is a retirement income gap?
A retirement income gap is the difference between your estimated monthly expenses and income expected from guaranteed sources such as Social Security, pensions, and other contractual income.
Is this calculator a financial plan?
No. It is an educational estimate based only on the information you enter. It is not a quote, recommendation, or comprehensive financial plan.
What is a Fixed Indexed Annuity?
A Fixed Indexed Annuity is an insurance contract that can credit interest partly based on the performance of a market index, without direct investment in that index. Terms, crediting methods, limits, and fees vary.
Can I lose money in a Fixed Indexed Annuity?
Fixed Indexed Annuities generally protect principal from direct market losses, but withdrawals, surrender charges, rider fees, and taxes can reduce contract value. Guarantees depend on the claims-paying ability of the issuing insurer.
Are annuities right for everyone?
No. Suitability depends on goals, time horizon, liquidity needs, risk tolerance, and overall financial circumstances. A licensed professional can help evaluate whether one may fit your needs.
What happens after I request a review?
A representative can contact you using the information provided to discuss your retirement timeframe, primary concerns, and educational calculator results. There is no obligation to purchase a product.
This page and calculator are for educational purposes only and do not represent a quote, guarantee, financial plan, or recommendation. Fixed Indexed Annuity features, caps, participation rates, spreads, fees, surrender charges, and income benefits vary by carrier and contract. Optional riders may involve additional fees. Please consult a licensed professional before making financial decisions.
