Annuity Bonuses and Lifetime Income Riders

Some fixed index annuities credit a bonus when you buy, either to your contract value or to the separate income base a rider uses, and most of those can add a rider that guarantees an income for life, backed by the issuing insurer. The two numbers only mean something together, so every card below shows the bonus in dollars beside the annual income the product illustrates at age 65. Set your investment amount at the top and every figure follows it. These are dated illustration examples, not quotes.

Allianz 222 Allianz Life Figures as of May 2026

Bonus $52,000 52% of $100,000 to your income base, not cash

Income at 70 $8,360 a year, on $100,000

Lock in rate

Annual rider fee: No separate rider fee (built into the contract)
Bonus: 52%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 52% PIV (Protected Income Value) bonus on premium in first 18 months
Roll-up: 150% of index interest. Performance-driven, not a guaranteed fixed percentage.
Why age 70: Lifetime income on this product cannot begin until the 10th contract year. On a purchase at age 60 the earliest income age is 70; the published guaranteed figure is $8,360 per year at age 70 per $100,000.
Published income by age: Age 69 $7,600/yr, 5% payout
Age 70 $8,360/yr, 5.5% payout
Age 71 $8,360/yr, 5.5% payout
Age 73 $8,360/yr, 5.5% payout
Age 75 $8,360/yr, 5.5% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Allianz Life Insurance Company of North America
Figures as of: May 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The Protected Income Value rider is bundled at no separate fee. The roll-up is 150% of the index interest credited to that value, performance driven rather than a guaranteed fixed percentage; the guaranteed part is the 52% bonus. The grid shows the guaranteed Protected Income Value of $152,000, assuming 0% index credits. Lifetime income requires a 10 contract-year wait, and the published grid starts at age 69, so there is no age-65 row.

Nationwide New Heights Select 9 Nationwide Figures as of May 2026

Bonus $30,000 30% of $100,000 to your income base, not cash

Income at 65 $10,540 a year, on $100,000

Lock in rate

Annual rider fee: 1.10% a year of the benefit base
Bonus: 30%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 30% income base bonus at issue (High Point 365 Select with Bonus rider)
Roll-up: 9.5% compound, 12 years
How this figure is worked out: Published illustration: income base of about $204,651 x 5.15% payout at 65 = $10,540.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted.
Published income by age: Age 65 $10,540/yr, 5.15% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Nationwide Life Insurance Company
Figures as of: May 2026
Figure source: Editorial illustration example from a third-party review
Product notes: Figures use the optional High Point 365 Select with Bonus rider: a 30% up-front income-base bonus plus a 9.5% compound roll-up for up to 12 years. The age-65 figure assumes a male purchaser at 60 with five years of deferral, an income base grown to about $204,651 at a 5.15% payout rate. Rider fee 1.10% a year. A version of the rider without the bonus is offered for longer deferrals.

Nationwide Peak 10 Nationwide Figures as of May 2026

Bonus $25,000 25% of $100,000 to your income base, not cash

Income at 65 $10,938 a year, on $100,000

Lock in rate

Allianz Benefit Control Allianz Life Figures as of November 2025

Bonus $25,000 25% of $100,000 to your income base, not cash

Income at 65 $5,875 a year, on $100,000, guaranteed floor, plus potential index credits

Lock in rate

Annual rider fee: No separate rider fee (built into the contract)
Bonus: 25%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 25% premium bonus, credited only to the Protected Income Value (PIV), on premium placed in the first 18 months
Roll-up: Performance-driven Bonus Control benefit. Performance-driven, not a guaranteed fixed percentage.
Minimum premium: $20,000, as published by this product's source
How this figure is worked out: Guaranteed Protected Income Value $100,000 x 1.25 bonus = $125,000 with 0% index credits; x 4.70% single life rate for ages 60 to 69 = $5,875.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. This is the guaranteed floor assuming no index credits; the performance driven Bonus Control benefit can raise the Protected Income Value and the income.
Published income by age: Age 50 about 3.7% payout
Age 55 about 4.2% payout
Age 60 about 4.7% payout
Age 70 about 5.2% payout
Age 80 about 5.7% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Allianz Life Insurance Company of North America
Figures as of: November 2025
Figure source: Carrier brochure or rate sheet
Product notes: Carrier-published percentage table in age bands, with no dollar figures: 3.70% at ages 50 to 54, 4.20% at 55 to 59, 4.70% at 60 to 69, 5.20% at 70 to 79 and 5.70% at 80. Joint life is 0.50% lower and uses the younger person's age. The roll-up is performance driven: each year you choose between an accelerated option and a balanced option that credit different multiples of index interest. The brochure states there is no additional charge for the income riders. The Protected Income Value is not available as a lump sum; it pays out as lifetime withdrawals or as a death benefit over five years or more, and is forfeited on full surrender. Maximum issue age 80, minimum premium $20,000.

F&G Performance Pro F&G Figures as of June 2026

Bonus up to $21,000 up to 21% of $100,000 to your contract value, vests over time

Income at 65 $5,555 a year, on $100,000, guaranteed floor, plus potential index credits

Lock in rate

Annual rider fee: 0.10% a year of the benefit base
Bonus: 21%, added to your contract value. Contract-value bonus. It is part of your account value. Most vest over several years, and the vesting schedule is in the product notes below. Vesting bonus on year-1 premium only, vests 10%/year over 10 years. All States (except noted): 21% (issue age <=75) / 15% (76-80). 'Other States1' (CA, DE, FL 65+, MA, NJ, NV, OH, OK, SC, TX, UT): 18% / 12%. 'Other States2' (AK, AL, CT, ID, IN, MN, MS, MT, OR, PA, PR, WA): 16% / 11%.
Roll-up: 2.75% compound guaranteed minimum for 10 years, plus a performance-linked add-on. Performance-driven, not a guaranteed fixed percentage.
How this figure is worked out: Income base $100,000 x 1.0275 compounded 5 years = $114,527 guaranteed minimum; x 4.85% starting percentage at 65 = $5,555.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. This is the guaranteed floor: it excludes the performance linked add on to the income base, which can raise income materially, and the vesting bonus, which applies to contract value rather than the income base.
Insurer: Fidelity & Guaranty Life Insurance Company
Figures as of: June 2026
Figure source: Carrier brochure or rate sheet
Product notes: The enhanced guaranteed minimum withdrawal benefit is mandatory. The income base grows at a guaranteed minimum 2.75% compounded for 10 years, or until age 85 or the start of withdrawals, plus a variable performance-linked add-on tied to index credits, so part of that growth is not a fixed percentage. Rider fee 0.10% a year of the income base, unusually low for this kind of rider. The bonus applies to first-year premium only and vests 10% a year over 10 years, at lower percentages in some states and at issue ages 76 to 80. The payment amount is set when withdrawals begin, and the consumer brochure publishes no per-age payout table.

Athene Agility 10 Athene Figures as of 2026

Bonus $20,000 20% of $100,000 to your income base, not cash

Income at 65 $12,381 a year, on $100,000

Lock in rate

Annual rider fee: No separate rider fee (built into the contract)
Bonus: 20%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 20% income base bonus at issue
Roll-up: 175% of index credits. Performance-driven, not a guaranteed fixed percentage.
How this figure is worked out: Published illustration figure: $12,381 per year at age 65 on a $100,000 premium.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Figure comes from a dated third party illustration with a performance driven roll-up.
Published income by age: Age 65 $12,381/yr, 5.22% payout
Age 68 $13,233/yr
Age 70 $15,874/yr

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Athene Annuity and Life Company
Figures as of: 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The income rider is built into the contract at no separate charge. The roll-up is performance driven, 175% of the index interest credited to the benefit base, so it is not a guaranteed fixed percentage. The illustration publishes ages in two-year bands (65 to 66, 68 to 69, 70 to 71). Single life. Not available in New York.

Athene Ascent Pro 10 Bonus Athene Figures as of May 23, 2026

Bonus $20,000 20% of $100,000 to your income base, not cash

Income at 65 $10,540 a year, on $100,000

Lock in rate

Annual rider fee: 1.00% a year of the benefit base
Bonus: 20%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 10% premium bonus to accumulation value + 20% income base bonus at issue
Roll-up: 10% simple years 1-10, then 5% years 11-20
How this figure is worked out: Published illustration: $10,540 per year at age 65 on a $100,000 premium (6.20% payout factor).
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted.
Published income by age: Age 65 $10,540/yr, 6.2% payout
Age 66 $11,520/yr, 6.4% payout
Age 67 $12,540/yr, 6.6% payout
Age 68 $13,700/yr, 6.85% payout
Age 69 $14,910/yr, 7.1% payout
Age 70 $16,500/yr, 7.5% payout
Age 71 $18,170/yr, 7.9% payout
Age 72 $19,920/yr, 8.3% payout
Age 73 $20,875/yr, 8.35% payout
Age 74 $21,840/yr, 8.4% payout
Age 75 $23,625/yr, 8.75% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Athene Annuity and Life Company
Figures as of: May 23, 2026
Figure source: Editorial illustration example from a third-party review
Product notes: Roll-up is 10% simple for years 1 to 10, then 5% simple for years 11 to 20. The grid assumes a purchase at age 60. Rider fee 1.00% a year. An Enhanced Income Benefit can double the income for up to 60 months for qualifying care events. Joint-life payouts run lower. Illustration run May 23, 2026.

NAC BenefitSolutions 10 North American Figures as of 2026

Bonus $20,000 20% of $100,000 to your income base, not cash

Income at 65 $10,245 a year, on $100,000

Lock in rate

Annual rider fee: 1.20% a year of the benefit base
Bonus: 20%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 20% income base bonus (applied to benefit base only)
Roll-up: 100% of index credits. Performance-driven, not a guaranteed fixed percentage.
How this figure is worked out: Published illustration: $10,245 per year at age 65 on a $100,000 premium (6.83% payout on the stepped up base).
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted.
Published income by age: Age 60 $6,096/yr, 5.08% payout
Age 62 $6,864/yr, 5.72% payout
Age 64 $7,728/yr, 6.44% payout
Age 65 $10,245/yr, 6.83% payout
Age 67 $11,205/yr, 7.47% payout
Age 69 $11,895/yr, 7.93% payout
Age 70 $14,706/yr, 8.17% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: North American Company for Life and Health Insurance (Sammons Financial)
Figures as of: 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The Guaranteed Benefits 10 Rider is built in. The roll-up is performance driven, 100% of index credits to the benefit base rather than a fixed percentage, with a guaranteed minimum benefit base of 120% of premium in years 1 to 5, 150% in years 6 to 10 and 180% from year 11. The jump at age 65 reflects that fifth-anniversary step-up. Rider fee 1.20% a year.

Target Income 10 (with GLWB rider) Delaware Life Estimated

Bonus $10,000 10% of $100,000 to your income base, not cash

Income at 65 $9,856Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The withdrawal percentage is not published for this product, so the dataset median payout rate is used in its place.

Ascent 10 Bonus 2.0 (with Ascent Income Rider Option 1) Athene Estimated

Bonus $10,000 10% of $100,000 to your contract value, vests over time

Income at 65 $9,600Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The withdrawal percentage is not published, so the dataset median payout rate is used. The 10% premium bonus goes to contract value and is excluded from the income base. This review describes a 2017 product generation; confirm availability.

Secure Income (Fixed Indexed Annuity, with optional GLWB rider) Security Benefit Estimated

Bonus up to $8,000 up to 8% of $100,000 to your contract value, vests over time

Income at 65 $8,640Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The withdrawal percentage is not published, so the dataset median payout rate is used, and the 7% increase is treated as simple interest as a conservative reading. The up to 8% purchase payment bonus is subject to recapture and excluded.

Annual rider fee: 0.95% a year of the benefit base
Bonus: 8%, added to your contract value. Contract-value bonus. It is part of your account value. Most vest over several years, and the vesting schedule is in the product notes below. up to 8% bonus on first-year purchase payments (subject to bonus recapture on withdrawals above the free amount, or on annuitization, during the 10-year surrender period)
Roll-up: None published
How this figure is worked out: Benefit base $100,000 x 1.35 (carrier stated minimum 7% yearly increase, treated as simple, x 5 years) = $135,000; x 6.40% dataset median payout rate at 65 = $8,640.
Assumptions: Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The withdrawal percentage is not published, so the dataset median payout rate is used, and the 7% increase is treated as simple interest as a conservative reading. The up to 8% purchase payment bonus is subject to recapture and excluded.
Insurer: Security Benefit Life Insurance Company
Figures as of: May 8, 2025
Figure source: Third-party review site summary
Product notes: The source was published in 2017 and updated in 2025, so confirm the product is still offered. The optional lifetime withdrawal rider costs 0.95% a year for the first 10 years and 1.50% a year after that. The bonus applies to first-year purchase payments and can be recaptured on withdrawals above the free amount, or on annuitization, during the 10-year surrender period. No roll-up percentage and no per-age payout table are published.

F&G SecureIncome 7 F&G Figures as of 2026

Bonus $7,000 7% of $100,000 to your income base, not cash

Income at 65 $11,024 a year, on $100,000

Lock in rate

Annual rider fee: 1.15% a year of the benefit base
Bonus: 7%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 7% income base bonus on initial premium
Roll-up: 7% compound, 10 years
How this figure is worked out: Carrier example: $100,000 at age 60, 7% compound roll-up for 5 years = $140,255 income base; x 7.86% payout at 65 = $11,024.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Carrier example uses a 60 year old female, single life, 0% index return during deferral. The 6.90% figure elsewhere on this card is the joint life rate from a separate review.
Published income by age: Age 65 $6,900/yr, 6.9% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Fidelity & Guaranty Life Insurance Company
Figures as of: 2026
Figure source: Editorial illustration example from a third-party review
Product notes: An enhanced guaranteed minimum withdrawal benefit is built in, with a 7% compound roll-up for up to 10 years or age 85 that stops once withdrawals begin. Rider fee 1.15% a year, 1.50% maximum on restart. The published payout is JOINT life at ages 65 and 63, 6.90%, and the 7% bonus lifts the base to $107,000. The single-life rate is higher but is not published as a number. Seven-year surrender period.

MassMutual Ascend Premier Income Bonus MassMutual Ascend Figures as of May 23, 2026

Bonus $6,000 6% of $100,000 to your income base, not cash

Income at 65 $5,512 a year, on $100,000

Lock in rate

Annual rider fee: 1.15% a year of the benefit base
Bonus: 6%, added to your income base. Income-base bonus. It raises only the base used to calculate lifetime income. It is not cash you can withdraw and it is usually forfeited if you surrender the contract for its value. 6% income base bonus on all purchase payments at issue
Roll-up: 6% simple, 10 years
How this figure is worked out: Published illustration: $137,800 income base x 4.00% payout at 65 = $5,512.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The payout rate is low because this grid reflects at issue activation ages; deferring past the grid raises it.
Published income by age: Age 60 $3,710/yr, 3.5% payout
Age 61 $4,045/yr, 3.6% payout
Age 62 $4,393/yr, 3.7% payout
Age 63 $4,753/yr, 3.8% payout
Age 64 $5,126/yr, 3.9% payout
Age 65 $5,512/yr, 4% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: MassMutual Ascend Life Insurance Company
Figures as of: May 23, 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The lifetime withdrawal benefit is built in, with a 6% simple roll-up for 10 years capped at 250% of purchase payments and a 1.15% annual rider fee. Income can begin immediately. The grid assumes a purchase at 60 with early activation, so the payout rates are low; deferring past the grid raises them. Joint life pays lower. Illustration run May 23, 2026.

Income Select Bonus Athene Estimated

Bonus $5,000 5% of $100,000 to your contract value, vests over time

Income at 65 $9,280Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Neither a roll-up nor a withdrawal percentage is published, so both use the dataset medians. The 5% first year premium bonus goes to contract value and is excluded. This review dates to 2017; confirm availability.

Ascent 10 Bonus Athene Estimated

Bonus $1,000 1% of $100,000 to your contract value, vests over time

Income at 65 $9,600Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The withdrawal percentage is not published, so the dataset median payout rate is used. The 1% premium bonus goes to contract value and is excluded. This review describes a 2017 product generation; confirm availability.

Safe Income Advantage F&G Figures as of July 30, 2026

Bonus None no bonus published for this product

Income at 65 $11,326 a year, on $100,000

Lock in rate

Power Select Plus Income (Lifetime Income Plus Flex rider) Corebridge Financial Figures as of June 22, 2026

Bonus None no bonus published for this product

Income at 65 $11,165 a year, on $100,000

Lock in rate

Annual rider fee: 1.10% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: 9% simple, 10 years
How this figure is worked out: Income base $100,000 x 1.45 (9% income credit x 5 years) = $145,000; x 7.70% single life rate at 65 = $11,165.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted.
Published income by age: Age 50 about 5.7% payout
Age 55 about 6.45% payout
Age 60 about 7.2% payout
Age 65 about 7.7% payout
Age 70 about 8.2% payout
Age 75 about 8.7% payout
Age 80 about 9.2% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: American General Life Insurance Company (AGL), a Corebridge Financial company
Figures as of: June 22, 2026
Figure source: Carrier brochure or rate sheet
Product notes: Carrier-published percentage table with no dollar figures. The rates shown are single life; joint life is 0.50% lower. The carrier publishes a full age-by-age schedule from 50 to 80 and above, and key ages are shown here. The Lifetime Income Plus Flex rider is elected at issue for 1.10% a year of the income base, which grows by a 9% income credit each year for up to 10 years or until income begins.

Corebridge Power Protector 10 Corebridge Financial Figures as of 2026

Bonus None no bonus published for this product

Income at 65 $10,875 a year, on $100,000

Lock in rate

Power 7 Protector Plus Income (Lifetime Income Choice rider) Corebridge Financial Figures as of February 10, 2025

Bonus None no bonus published for this product

Income at 65 $10,875 a year, on $100,000

Lock in rate

Annual rider fee: 1.10% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: 9% simple
How this figure is worked out: Income base $100,000 x 1.45 (9% simple income credit x 5 years) = $145,000; x 7.50% Level Income single life for activation ages 65 to 69 = $10,875.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Uses the Level Income option. The Max Income option pays more while contract value remains and less after it depletes.
Published income by age: Age 50 about 5.5% payout
Age 60 about 6% payout
Age 65 about 7.5% payout
Age 70 about 8% payout
Age 75 about 8.5% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: American General Life Insurance Company (AGL), a Corebridge Financial company
Figures as of: February 10, 2025
Figure source: Carrier brochure or rate sheet
Product notes: Carrier-published percentage table in age bands, with no dollar figures. The rates shown are the level-income option, single life, for activation-age bands starting at 50, 60, 65, 70 and 75. Joint life is 0.50% lower. An alternative Max Income option chosen at issue pays more while contract value remains and less afterward. The Lifetime Income Choice rider is automatically included at a 1.10% annual fee. The income credit is 9% of the income credit base each contract year before income starts. The base Power 7 Protector contract has no living-benefit rider.

MNL Income Planning Annuity Midland National Figures as of 2026

Bonus None no bonus published for this product

Income at 65 $10,650 a year, on $100,000

Lock in rate

American Equity IncomeShield 10 American Equity Figures as of 2026

Bonus None no bonus published for this product

Income at 65 $10,575 a year, on $100,000

Lock in rate

Personal Income Annuity Nassau Figures as of August 6, 2026

Bonus None no bonus published for this product

Income at 65 $10,285 a year, on $100,000

Lock in rate

Index Protector 7 (Income Ascender rider) MassMutual Ascend Estimated

Bonus None no bonus published for this product

Income at 66 $9,643Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 premium at age 60, single life, with income starting at 66 rather than 65 because the carrier's illustrated rates begin at 66. The brochure labels these rates illustration only and possibly different from current payout rates.

Allianz Core Income 7 (with Core Income Benefit rider) Allianz Life Figures as of August 4, 2026

Bonus None no bonus published for this product

Income at 65 $9,550 a year, on $100,000, guaranteed floor, plus potential index credits

Lock in rate

Annual rider fee: 1.25% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: None published, the payout percentage is set by age at issue
How this figure is worked out: Withdrawal percentage 6.80% at issue age 60 plus 5 annual increases of 0.55% = 9.55%; applied to at least the net premium of $100,000 = $9,550 guaranteed minimum.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. This is the guaranteed floor: the percentage applies to the greater of accumulation value or net premium, so actual income can be higher if the contract earns index credits.
Published income by age: Age 50 about 5.7% payout
Age 51 about 5.8% payout
Age 52 about 5.9% payout
Age 53 about 6% payout
Age 54 about 6.1% payout
Age 55 about 6.2% payout
Age 56 about 6.3% payout
Age 57 about 6.45% payout
Age 58 about 6.55% payout
Age 59 about 6.65% payout
Age 60 about 6.8% payout
Age 61 about 6.95% payout
Age 62 about 7.1% payout
Age 63 about 7.25% payout
Age 64 about 7.35% payout
Age 65 about 7.55% payout
Age 66 about 7.65% payout
Age 67 about 7.75% payout
Age 68 about 7.95% payout
Age 69 about 8.05% payout
Age 70 about 8.2% payout
Age 71 about 8.25% payout
Age 72 about 8.3% payout
Age 73 about 8.35% payout
Age 74 about 8.4% payout
Age 75 about 8.45% payout
Age 76 about 8.5% payout
Age 77 about 8.6% payout
Age 78 about 8.7% payout
Age 79 about 8.8% payout
Age 80 about 8.9% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Allianz Life Insurance Company of North America
Figures as of: August 4, 2026
Figure source: Carrier brochure or rate sheet
Product notes: Carrier-published percentage table with no dollar figures. The rates shown are level income, single life, by age at issue rather than by the age income starts; the age-50 row covers issue ages up to 50 and the age-80 row covers 80 and above. Joint life is 0.50% lower, and the increasing-income option is 0.90% lower on single life and 1.40% lower on joint. A published annual increase of 0.45% to 0.75% is added for each deferral year once the covered person is 45 or older. No premium bonus. Rider charge 1.25% a year of accumulation value, guaranteed not to rise. The income base grows through ordinary interest credits rather than a rider roll-up.

Essential Income 7 Allianz Life Figures as of February 28, 2026

Bonus None no bonus published for this product

Income at 65 $9,550 a year, on $100,000, guaranteed floor, plus potential index credits

Lock in rate

Annual rider fee: 1.05% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: None published, the withdrawal percentage rises with age
How this figure is worked out: Withdrawal percentage 6.80% at issue age 60 plus 5 annual increases of 0.55% = 9.55%; applied to at least the net premium of $100,000 = $9,550 guaranteed minimum.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. This is the guaranteed floor: the percentage applies to the greater of accumulation value or net premium, so actual income can be higher if the contract earns index credits.
Published income by age: Age 60 about 6.6% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Allianz Life Insurance Company of North America
Figures as of: February 28, 2026
Figure source: Third-party review site summary
Product notes: Seven-year surrender period with a mandatory income benefit rider at a 1.05% annual charge that can vary by state. The withdrawal percentage increases with age, but the only figure published is 6.60% single life at age 60, so no other ages are shown. Income growth comes from indexed interest credits rather than a stated roll-up rate.

North American Income Pay Pro 10 North American Estimated

Bonus None no bonus published for this product

Income at 65 $9,550Estimated a year, on $100,000

Lock in rate

Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The age 65 figure is the reviewer's approximation; the age 70 figure on this product is the firm published one.

Annual rider fee: 1.15% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: 8% compound, 10 years
How this figure is worked out: Reviewer's approximate figure: about $9,550 per year at age 65 on a $100,000 premium.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The age 65 figure is the reviewer's approximation; the age 70 figure on this product is the firm published one.
Published income by age: Age 65 $9,550/yr, 6.5% payout
Age 70 $16,840/yr, 7.8% payout
Age 75 $19,400/yr, 9% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: North American Company for Life and Health Insurance (Sammons Financial)
Figures as of: May 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The lifetime withdrawal benefit is built in, with an 8% compound roll-up for 10 years and a 1.15% annual fee on the rider value. The age-70 row is a published figure: a male purchaser at 60 with 10 years of deferral, a 7.80% level payout on a $215,892 base. The age-65 and age-75 rows are approximate figures from the same source. An increasing-payment option starts lower. Includes a nursing-home doubler.

Protective Guaranteed Income Indexed Protective Estimated

Bonus None no bonus published for this product

Income at 65 $9,280Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Neither a roll-up nor a withdrawal percentage is published for this product, so both use the dataset medians.

Strategy Index Annuity Plus 10 (with lifetime income rider) American National Estimated

Bonus None no bonus published for this product

Income at 65 $9,280Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Neither the rider's fixed roll-up rate nor its withdrawal percentage is published, so both use the dataset medians. This review dates to 2017; confirm availability.

Protective Income Builder Protective Figures as of August 6, 2026

Bonus None no bonus published for this product

Income at 65 $9,170 a year, on $100,000

Lock in rate

Global Atlantic ForeIncome II Global Atlantic Estimated

Bonus None no bonus published for this product

Income at 65 $7,210Estimated a year, on $100,000

Lock in rate

Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Mechanics come from the carrier's 2022 highlights sheet (8% deferral credit, 5.15% at 65). A 2026 third party review reports a richer current version (10% credit and about 5.90% at 65, which would be near $8,850), so treat this as a conservative dated figure pending a current carrier rate sheet.

Annual rider fee: 1.05% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: 10% fixed, Guaranteed Income Builder option
How this figure is worked out: Withdrawal base $100,000 plus 8% of premium x 5 deferral years = $140,000; x 5.15% Guaranteed Income Builder single life at activation age 65 = $7,210.
Assumptions: Estimated. Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. Mechanics come from the carrier's 2022 highlights sheet (8% deferral credit, 5.15% at 65). A 2026 third party review reports a richer current version (10% credit and about 5.90% at 65, which would be near $8,850), so treat this as a conservative dated figure pending a current carrier rate sheet.
Published income by age: Age 60 about 5% payout
Age 65 about 5.9% payout
Age 70 about 6.5% payout
Age 75 about 7% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: Forethought Life Insurance Company (Global Atlantic / KKR)
Figures as of: 2026
Figure source: Editorial illustration example from a third-party review
Product notes: The lifetime withdrawal rider is required at issue, and you choose between an Income Multiplier option and a Guaranteed Income Builder option carrying a 10% fixed roll-up. Rider fees run 1.05% to 1.20% a year. The payout rates shown are approximate single-life rates and no dollar grid is published, so this product carries no dollar illustration. Joint-life payouts run about 0.5% lower. Issue ages 45 to 85.

Income Edge Symetra Figures as of August 6, 2026

Bonus None no bonus published for this product

Income at 65 $7,050 a year, on $100,000, guaranteed floor, plus potential index credits

Lock in rate

American Legend 7 (IncomeSecure rider) MassMutual Ascend Figures as of October 2022

Bonus None no bonus published for this product

Income at 65 $6,500 a year, on $100,000

Lock in rate

Annual rider fee: 0.95% a year of the benefit base
Bonus: No premium or income-base bonus published for this product.
Roll-up: 6% simple, 10 years
How this figure is worked out: Benefit base $100,000 x 1.30 (6% simple roll-up x 5 years) = $130,000; x 5.0% maximum income percentage at 65 = $6,500.
Assumptions: Assumes a $100,000 single premium at age 60 with income starting at 65, single life, unless noted. The 6% roll-up is the published current rate and can change for new contracts, never below 2%.
Published income by age: Age 55 about 4% payout
Age 60 about 4.5% payout
Age 65 about 5% payout
Age 66 about 5.1% payout
Age 67 about 5.2% payout
Age 68 about 5.3% payout
Age 69 about 5.4% payout
Age 70 about 5.5% payout
Age 71 about 5.6% payout
Age 72 about 5.7% payout
Age 73 about 5.8% payout
Age 74 about 5.9% payout
Age 75 about 6% payout
Age 80 about 6.5% payout
Age 85 about 7% payout
Age 90 about 7.5% payout

These are the source's own published withdrawal percentages of the benefit base at each age. A payout percentage is not an interest rate and not a rate of return, and it is not the rate used for this card's dollar figure unless the arithmetic above says so.
Insurer: MassMutual Ascend Life Insurance Company
Figures as of: October 2022
Figure source: Carrier brochure or rate sheet
Product notes: Carrier-published maximum income percentage table with no dollar figures. The rates shown are single life; joint life is 1.00% lower. Percentages rise 0.10% for each year income is deferred, capped at 7.5% single and 6.5% joint, and never fall below 3%. The base American Legend 7 contract has no bonus and no income rider; IncomeSecure is an optional add-on. The benefit base grows through 6% simple roll-up credits, a current rate that can change for new contracts, with a floor of 2%, for up to a 10-year roll-up period. Rider charge 0.95% a year of the benefit base, refunded at death if income has not started.

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