Set the portfolio assumptions

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Allocations must total 100%. Each non-zero sleeve must contain at least $10,000; set the hypothetical income base to $0 when FIA income allocation is 0%. The index return and income base are your hypothetical inputs—not live product facts. The income base is not cash value or premium.

Three sleeves · unlike metrics stay separate

$1,000,000 portfolio strategy

The guaranteed rate, FIA cap, and rider withdrawal rate below are not interchangeable returns. Each comes from CANNEX data checked for the matching annuity type.

All allocated sections available

MYGA fixed-rate sleeve

25% · $250,000

Guaranteed rate

7.45%

5-year guaranteed rate

Simplified first-year interest

$18,625

Allocation × guaranteed annual rate. This is an educational one-year calculation, not a carrier illustration or surrender-value quote.

Source selection: Atlantic Coast Life · Safe Harbor Bonus Guarantee

A.M. Best rating: B

Data date: August 5, 2026

FIA accumulation sleeve

25% · $250,000

No-fee cap

12%

No-fee annual S&P 500 one-year point-to-point cap

User-hypothetical one-year credit

8% · $20,000

Uses your 8% hypothetical S&P 500 price change, floored at 0% and limited by the cap. Dividends are excluded. Contract terms control actual credits.

Source selection: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA

A.M. Best rating: A++

Data date: August 5, 2026

FIA income sleeve

50% · $500,000

Rider mechanic

12.8%

Lifetime withdrawal rate at age 60 after 10 years

User-hypothetical annual withdrawal

$64,000

Income rider:
RFA Income Benefit - Level Income
Annual rider fee:
1.25%

Your hypothetical $500,000 income base × withdrawal rate. An income base is not cash value or premium; actual bases require product-specific rider mechanics and fees.

Source selection: Allianz Life Insurance Company of North America · Retirement Foundation ADV

A.M. Best rating: A+

Data date: August 5, 2026

Hypothetical first-year accumulation credits

$38,625

MYGA interest plus the simplified FIA index credit. This excludes the income-rider withdrawal because a withdrawal is not investment growth.

Allocation check

25% MYGA · 25% FIA growth · 50% FIA income

Data source: CANNEX via AdvisorWorld. The report date is the oldest data date among the sections shown above: August 5, 2026.

Rates vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing insurer’s claims-paying ability—not FDIC-insured.

Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm current state availability, contract terms, fees, crediting details, and rider mechanics before acting.