Run a fixed index annuity illustration

Ask your AI to illustrate an income product for a couple. Give it the owner's gender, the joint option and the income rider.

1. 1.

   Before running this case, treat Annuities Genius output as an internal worksheet, not a carrier illustration.

   Do not show or send it unless the insurer confirms carrier production or carrier-authorized software under its control. Your insurer or firm must also approve client use.

2. 2.

   Paste this case and send it. In ChatGPT Work, type @ and pick Annuities Genius first.

   Copy

   Using Annuities Genius: I'm an independent agent paid by commission, so skip fee-based (Advisory) products. Illustrate the top income option for my clients, a married couple in Texas. She is 61 and the owner, he is 63. They have a $300,000 IRA rollover, with joint income starting when she is 66. Use her gender, the joint option and the product's income rider, and list what you used. Show the year-by-year income and account value, guaranteed next to non-guaranteed, at an assumed 3% rate. Point out any number that would look wrong to a client. I decide.

   Select the text and copy it.

   Fee-based (Advisory) products may rank first. If one did, your AI should say it skipped it.

3. 3.

   Read what your AI used. Check the owner's gender, spouse age, start age and income rider.

   A rider may be optional or built in. Check its charge base, roll-up stop and excess-withdrawal effect.

4. 4.

   Name no accounts, and the illustration uses a balanced, no-fee mix anchored in the S&P 500. Ask for Classic, Frontier or Steady to compare.

   Classic is the S&P 500 only. Frontier picks the highest backtests and allows newer indexes whose early years are back-calculated. Steady aims for the fewest years with no credit.

5. 5.

   Illustrating for a saved client? If the carrier issues its own illustration, your AI brings its figures and saves the PDF to the client's records.

   It costs extra credits, and the answer says what it charged. Some carriers have only their own figures shown. Only the carrier's own illustration may reach a client, and only if your firm allows.