Check the fit, or say a clear no

An annuity must solve a named problem. Run four checks before any product, and say no when they fail.

Do it in Genius

All cases→ your client→ GrantAI→ More→ Income gap planning

Practice Client, 3 Nov 2026: typed in $4,000 spending and $1,900 Social Security. The gap is $2,100 a month, $25,200 a year.

Rates change every day, so yours will differ.

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1. 1.

   Check what stays within reach: emergency cash, and how much is already in annuities. High-interest debt? Suggest they talk to their planner first.

   GrantAI uses a six-month rule from insurers: 6 times $4,000 spending is $24,000. Insurers differ.

2. 2.

   Do the sum. Ask GrantAI: More, Income gap planning. Answer its four questions: spending, Social Security, other income, savings.

   Type 0 for none. A blank answer may be saved as "No answer" and read as no pension. Read how GrantAI saved each one.

3. 3.

   Read What the IRA can fill from age 68. Compare the income rider, the deferred income annuity (DIA) and the immediate one (SPIA).

   DIA

   Deferred income annuity: money goes in now, and the paycheck starts more than about a year later.

   SPIA

   Single premium immediate annuity: one payment in, and a paycheck starts soon after.

   For the Practice Client the verdict is part: the IRA alone cannot close the gap. The rider's calculator income is $15,810 of the $25,200 a year and it keeps access. The deferred one has no access.

4. 4.

   Read the bridge years, the two before 68. GrantAI first found $50,400 to cover and only $40,000 outside the IRA.

   With the transcript saved, GrantAI drops this problem: she works until 68. Then say yes, part or no.

   See also:

   • A real meeting that ended in a no
   • Before you apply: the Compliance check