Annuity parameters are complex to model
Participation rates, caps, floors, spreads, and crediting methods require precise configuration. Spreadsheets make it slow and error-prone.
Annuity and insurance modeling
Compare annuities
with the portfolio.
Model fixed indexed and variable annuities alongside investments. Compare income projections and market scenarios to explain the retirement income choices to your client.
Book a demo ↗Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Trusted by leading advisory firms
5 min
To model and compare an annuity scenario
Full
Parameter control: rates, caps, floors, spreads
Side-by-side
Annuity vs. portfolio income comparison
A clearer starting point
Separate tools make income comparisons harder.
Annuity illustrations live in one system, portfolio analysis in another, making it difficult to show the complete retirement income picture
Annuity and portfolio analysis live in separate systems
Annuity illustrations show guaranteed income. Portfolio tools show market returns. Comparing them side-by-side requires manual work to get both into the same view.
Retirement income projections are incomplete without both
Guaranteed income from annuities plus market-based withdrawals from portfolios. The complete retirement picture requires combining both, not modeling them separately.
Inside the workflow
Compare annuity and portfolio income.
Model annuities alongside investment portfolios and compare guaranteed income vs. market returns
Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Step 01
Configure the Annuity
Set participation rates, caps, floors, spreads, crediting methods, premiums, accumulation periods and payout options for any indexed annuity.
A clearer recommendation.
Risk profileFinancial planManual
RetirementBalanced allocation
Existing
Proposed
ExistingProposed
Portfolio comparison→ Proposal
Step 02
Compare Guaranteed Income and Market Returns
Show an annuity’s guaranteed income floor alongside a portfolio-based approach, with clear projections of the trade-off between certainty and upside.
Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Step 03
Show Total Retirement Income
Combine annuity income, portfolio withdrawals, Social Security and pensions in one projection.
Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Step 04
Explore Scenarios With the Client
Adjust the premium or income start date and see projections update in real time, while the client is in the meeting.
In good company
In our clients’ words.
Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market.
A few things to know.
What types of annuities does the platform support?
The platform supports fixed indexed annuities (FIAs) with full parameter control: participation rates, cap rates, floor rates, spreads, and multiple crediting methods. Model various premium structures (single, flexible, scheduled), accumulation periods, and payout options including COLA adjustments for inflation protection.
How does the annuity vs. portfolio comparison work?
Run side-by-side projections showing annuity guaranteed income versus portfolio withdrawal strategies. The comparison shows income certainty (annuity floor) vs. market upside (portfolio growth) so the trade-off is clear. Adjust assumptions in real-time to explore different scenarios.
Can annuities be modeled alongside other retirement income sources?
Yes. Model complete retirement income projections combining annuity income, portfolio withdrawals, Social Security, pensions, and other income sources. The full retirement picture, not just the annuity in isolation, shows how all the pieces fit together.
How long does it take to model an annuity scenario?
Most complete annuity scenarios take under 5 minutes to configure and compare. Changes to assumptions update projections instantly, so multiple scenarios can be explored in a single session.