Comparison of Annuities
COMPARISON OF LIFE ANNUITIES | ||||
ANNUITY | Life with 10 Years | Life with 100% Refund | Life with NO Refund | Life with 20 Years |
Premium | $100,000 | $100,000 | $100,000 | $100,000 |
Annuity Payment | $8,071 | $7,985 | $8,594 | $7,094 |
Beneficiary Protection | $80,708 | $100,000 | $0 | $141,884 |
Taxable Portion of Initial Payment | $1,622 | $1,533 | $2,140 | $646 |
After Tax Return through Life Expectancy | 2.9% | 2.8% | 3.6% | 2.9% |
After Tax Return through Age 100 | 5.9% | 5.8% | 6.5% | 4.9% |
Liquidity at Start | $62,321 | $72,916 | $0 | $88,409 |
Liquidity End Age | 79 | 82 | NA | 89 |
When Do it Yourself Savings Run Out | 82 | 82 | 81 | 84 |
FIXED PERIOD ANNUITIES | |||
ANNUITY | 5 Years Certain Only | 10 Years Certain Only | 20 Years Certain Only |
Premium | $100,000 | $100,000 | $100,000 |
Annuity Payment | $22,305 | $12,176 | $7,358 |
Beneficiary Protection | $111,526 | $121,761 | $147,164 |
Taxable Portion of Initial Payment | $0 | $414 | $1,950 |
After Tax Return through End of Period | 2.5% | 2.6% | 3.2% |
Liquidity at Start | $96,570 | $94,021 | $91,699 |
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