GrantAI Gets Smarter: Taxes, IRMAA, and Rate Lock-In

Your feedback helps us make GrantAI better every day. We are grateful for the overwhelming amount of positive feedback and the many ideas you’ve shared on how to make GrantAI even more powerful.

Sales strategies we’ve addressed in the update:

• Income Layering Strategy – Use annuities to fill income gaps while keeping clients below IRMAA or tax bracket thresholds.
• Tax Bracket Management – Use deferred or MYGA annuities to postpone income to future years when clients expect to be in a lower tax bracket.
• Roth Conversion Control – Coordinate annuity withdrawals or conversions to avoid triggering higher IRMAA tiers.
• Medicare Surcharge Avoidance – For high-income retirees, structure annuity income to keep MAGI below IRMAA breakpoints.
• Social Security Optimization – Use annuities to delay Social Security and manage provisional income, reducing taxation of benefits.
• Rate Lock-In – Eliminate client concerns about renewal rates by generating a client-facing report that shows locked-in caps and participation rates.
• Presale Conversations – Simplify the most challenging step: helping clients say “yes” to the annuity concept before discussing specific products. GrantAI guides this process effectively.

Tax Knowledge

GrantAI now understands current federal and state tax brackets, standard deductions, and personal exemptions.

This helps position deferred annuities for tax deferral and structure income from non-qualified annuities to smooth taxable income across years.

IRMAA Medicare Surcharges

GrantAI now provides exact Medicare Part B and Part D surcharge amounts, helping agents make informed recommendations.

Rate Lock-In

Easily eliminate client concerns about renewal rates by generating a client-facing report that displays locked-in caps and participation rates.

Presale Conversations

The most challenging step is often getting a client to say “yes” to the annuity concept before discussing specific products. GrantAI can now assist you in building that initial understanding and confidence effortlessly.

Many Issues Are Fixed

Other little fixes, like:

• Empty PDF report - ✅ no more
• Some answers weren't loaded to the end - ✅ even very long ones are accepted
• Too many annuity cards - ✅ only top and alternative reacommendations are rendered as cards
• And more

Keep using GrantAI and git the 👎 button to indicate any issues!