Lesson 7 of 14 · Part 1 of 3
Ask about legacy, then run the calculator
Some clients will never spend this money. A death benefit rider can raise what the named beneficiaries get, under its rules. See what $150,000 can pay.
Do it in Genius
Legacy rider calculator Show calculation assumptions
Practice Client, 3 Nov 2026: one of 98 rows shows a $379,043 death benefit at age 95. It rests on assumptions.
Rates change every day, so yours will differ.
Open Legacy rider calculator in Genius (opens the app in a new tab)In the app: Calculators → Legacy rider calculator
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1.
At a life review, ask: "Is there money you'll never spend that you want to go to the kids? How much, in today's dollars?"
Save the figure in a note on the client's card. Then set Legacy focus, as the linked part shows.
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2.
With your client in Current client, choose Lump sum or Periodic payouts. Look at the rows: fee, bonus, channel, death benefit.
The $379,043 row shows a 0.85% Rider Fee and a 10% Premium Bonus.
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3.
Open Show calculation assumptions and move the life expectancy slider. Tick two rows to pick them for Download report.
- Dollar-for-dollar
- A withdrawal lowers the death benefit by the same amount.
- Proportional
- A withdrawal lowers it by the same share it took from the account. It can cost more.
At 95 it reads: issued at 66 in Texas, $150,000, death at the end of year 29, no partial withdrawals.
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4.
On the client's card, send the prompt below to Ask GrantAI. Then click a hint like Test rider plus legacy split.
- Fee-based
- Sold by a registered investment adviser for a fee, not commission. A commission agent can't sell it.
Compare enhanced death benefit options for this client. Explain which options pay the largest death benefit to the named beneficiaries and which contract provisions need verification.
Select the text and copy it.
GrantAI's pick was a Fee-based product, which a commission agent can't sell. Its death benefit hit $0 at 79. Its split: $100,000 rider, $50,000 legacy contract.