Genius CRM: Annuity Proposals That Close Save My Seat
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Check the product will take this client

Open Purchase and Variations before you show numbers. A product that cannot take your client wastes the meeting.

Do it in Genius

Income rider calculator row ⋮ Annuity info Purchase

Practice Client, 3 Nov 2026: Purchase lists states, premium from $25,000 to $1,000,000 and owner ages 45 to 85. Texas is ticked.

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

The Purchase tab of Annuity info: states, minimum and maximum premium, eligible funding sources and age limits. (opens full size in a new tab)
  1. 1.

    Click the three dots, Annuity info, Purchase. Check your client's state in State availability. Then the premium limits, the ages and the money sources.

    Practice Client fits: Texas is ticked, 66 is in 45-85, $150,000 is in range, Traditional IRA is listed.

  2. 2.

    Open Variations and read the line for your client's state. The surrender scale can differ by state.

    Texas has no line of its own here, so Most States applies: 10% down to 1%. California: 9% down to 0.8%.

    The Variations tab of Annuity info: the surrender schedule for most states and a different schedule for California. (opens full size in a new tab)
You're done when you can answer yes or no: will this product take this client?
Watch out: The app is only a screening list. Your IMO may check and route the file. The issuing insurer alone decides whether to issue the contract, subject to any firm review.
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