Lesson 5 of 14 · Part 2 of 10
Test the income in dollars, then check the illustration
A bonus or roll-up is how a carrier builds the income. In Genius, start from the dollars a year in each row, then confirm in the illustration.
Do it in Genius
Income rider calculator row ⋮ Illustrate Genius Illustration
Practice Client, 3 Nov 2026: at start age 68 the calculator shows $15,810 a year. Genius Illustration shows $14,573 at 68 and $15,810 from 69.
Rates change every day, so yours will differ.
Open Income rider calculator in Genius (opens the app in a new tab)In the app: Calculators → Income rider calculator
-
1.
Keep three inputs the same: premium, years of waiting, start age. Then compare the dollars on the right of each row.
Hear "7% roll-up"? Open Deferral snapshot: Income/Premium Ratio is income on the deposit, not a return.
-
2.
Click the three dots, Illustrate, then open Carrier Illustration and its minimum values table. By the price list it uses 25 credits.
At zero growth the account reaches $0 at age 76. The table still shows $15,810 a year to age 95.
-
3.
Check the start year. The calculator showed $15,810 at 68. The table's first withdrawal is at 69. At 68, Genius Illustration shows $14,573.
Open Genius Illustration and compare. Quote the client the income for the year it really starts.
-
4.
A big bonus with a low payout rate can pay less than no bonus with a high one. Check the dollars.
In the bonus tool, a 15% bonus at a 4% payout pays $2,900 a year less than a plain 7.5%.