Case Study: How Mike Could Use an FIA with Income Rider to Secure Lifetime Income

Meet Mike: Age 58, with $250,000 saved. He’s looking for a safe, secure way to turn his savings into reliable income when he retires — and wants to avoid market losses.

A Fixed Indexed Annuity (FIA) with an Income Rider offers Mike protection of principal, potential for index-linked growth, and guaranteed lifetime income. With a 10-year deferral, Mike could start guaranteed income at age 68.

Illustration:

• Initial Premium: $250,000
• 💵 17% Premium Bonus Day 1 = $42,500 → $292,500
• Deferral Period: 10 years
• Guaranteed Lifetime Income at 68: ~$21,000/year for life*

This means Mike can count on a predictable retirement paycheck — even if his account value declines later in life. Unlike a 401(k) or IRA, which can run out once the money is gone, the FIA with an income rider keeps paying for life.

*This case study is for illustration purposes only and does not constitute a guarantee or specific recommendation. Actual results will vary depending on the annuity product, issuing company, rider selection, and index performance. Always review official product materials before making a financial decision.