The annuity's after-tax return is 0.00% if you survive to age 100.
The longer you live the higher the after-tax return on your annuity. This return depends on your length of life, but does not depend on any other factor such as stock market returns or future interest rates.
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It's challenging, even for most financial advisors, to compare a product like life insurance, long term care
insurance or an annuity, to an investment vehicle. Besides the obvious investment and tax differences, the most
critical is that the "return" under insurance-issued policies depends on your lifespan and in some cases your health.
What we have done is determine the rate of return under the annuity depending on your "survival age".
The longer you live the higher the after-tax return on your annuity. This return depends on your length of life, but does not depend on any other factor such as stock market returns or future interest rates.
