Disclosure

This calculator provides an estimate of the internal rate of return (IRR) for a Single Premium Immediate Annuity based on the provided inputs. It assumes monthly payments are made at the end of each month and uses the Newton-Raphson method to approximate the IRR. The result is an annualized effective interest rate. Actual annuity performance may vary due to factors such as fees, taxes, or changes in payment schedules not accounted for in this model.

This tool is for informational purposes only and should not be considered financial advice.

For more information, contact Jeff Affronti at FSD Insurance Services.

This material is for informational, educational, and entertainment purposes only. It is not a recommendation to buy, sell, hold, or rollover any asset. It does not take into account the specific financial situation, investment objectives, or insurance needs of an individual person.

Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply for early or excess withdrawals. All guarantees are backed by the claims-paying ability of the issuer. Products are available only in states where approved. Always consult with a qualified insurance professional before making any insurance decisions.