Deferred start immediate annuities

Deferred Start SPIA
Rated annuity, impaired risk, medically underwritten and standard immediate annuity income for life quote systems.
Single Premium Immediate Annuity Quotes by SPIA Quote.com

Pick future retirement income start date & guarantee it today

Deferred Start Income For Life Guarantees a specific income to begin on a predetermined date in the future. Funded today the income is guaranteed in the future. There are cash out options available, details vary by carrier.

Key Benefits

	Defined benefit plans can guarantee the future retirees income with a lump sum today.
	Longevity pricing protection - Life expectance increases will not effect a deferred immediate.
	Often better rates than the assumed income benefits through deferred or indexed annuities.

Example Pricing
Male age 55 wants a guaranteed income of $2,000 monthly at age 65 for life with a refund guarantee. How can we determine how much he will need?

3 way to solve this:
Assumed With Indexed Annuity	Assumed With Deferred Annuity	100% Guaranteed Today!
Same cost for the current age 65 male income as the SPDA assumption $335,529.65. Only using Indexed annuity back modeling assume a deposit of $180,855.00 to achieve same goal of $335,529.65.	Our specialist analyze the average cost of providing a 65 year today with the $2,000 income. Currently $335,529.65. Then using a guaranteed rate 4.30% come up with the deposit need to grow in 10 years to the $335,529.65. In this case $220,235.75	The Guaranteed Retirement Income Program can guarantee this $2,000 income with a deposit of $183,995.00 today.
Positives $3,000 less to fund and could do even better! Negative Guaranteed end value is only $209,890.00 can leave you very short!	Positives Full liquidity at the end of 10 years. Negative Can be guaranteed for $36,240.75 less today. Why take a chance.	Positives Guarantees future income needs today with no chance of change. Very competitive rate and peace of mind. Negative None we see.

Key Benefits

Example Pricing Male age 55 wants a guaranteed income of $2,000 monthly at age 65 for life with a refund guarantee. How can we determine how much he will need?

Information Request Form

Example Pricing
Male age 55 wants a guaranteed income of $2,000 monthly at age 65 for life with a refund guarantee. How can we determine how much he will need?