Genius CRM: Annuity Proposals That Close Save My Seat
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What the income goal really takes

A retiree wanted a set income from his savings and asked to spread it over several companies. The agent showed what the goal needs, then what spreading costs.

Do it in Genius

Income rider calculator Level of detail: Top annuity per carrier row ⋮ Save for client

Practice Client, 3 Nov 2026: Level of detail has three choices; the last is Top annuity per carrier. Each row's ⋮ has Save for client.

Open Income rider calculator in Genius (opens the app in a new tab)

In the app: Calculators → Income rider calculator

The menu of a row with six entries: Illustrate, Save for client, Annuity info, Annuity brochure, Deferral snapshot and Payout rates. (opens full size in a new tab)
  1. 1.

    The agent read the goal back. Then he showed what it takes, what the client has, and how close it gets.

    Goal: $70,000 a year from $600,000. Sums are close, not exact, and not a quote. In Genius: no income-goal field, so note it with Save Note, then Solve for: Premium.

  2. 2.

    What it takes: one top company needs $950,000 for income now, or $621,000 if the client waits five years.

    In Genius: Income rider calculator, Solve for Premium to work back from the income, then drag Start income at age.

  3. 3.

    He had less than that. The closest plan, spread over six contracts, paid about $4,000 a year below one top company.

    In Genius: Level of detail, Top annuity per carrier. Compare only with the top row you can sell: Indep. Agent.

  4. 4.

    Show the cost in dollars, then let the client choose. Say you are not steering him to one company or to several.

    A couple? Set Payout Type to Joint. To add a refund later: SPIA calculator, Deferred, Life with Refund.

You're done when you can show a client what the goal needs, what they have, and what spreading costs. Try it on your own client. In Income rider calculator, Solve for Premium, then compare Top annuity per carrier rows you can sell.
Watch out: Don't bend the plan to hit the goal. If the money falls short, show how far it gets and what waiting adds. Skip rows tagged Broker-Dealer or Bank: an independent agent can't sell them. On commission, skip Fee-based too. Clients often spread money to stay inside state guaranty limits. Check your state's limits and never use them to sell.
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