The story behind the Living Benefit Calculator

As the popularity of living benefit riders has grown in recent years, the number of these products has proliferated. To find the right fit for each client, agents and advisors face the time-consuming task of comparing the attributes of each insurance company's offerings.

Before the Living Benefit Calculator, that comparison meant hours or even days spent requesting and awaiting information packets and illustrations, then identifying the advantages and disadvantages among them. And since these programs are revised frequently by the insurers, sometimes this laborious vetting process would have to be repeated within a short time to ensure that your recommendations are still on target.

Importantly, the Living Benefit Calculator doesn’t just return columns of figures that you then have to take the time and effort to compare. Using powerful algorithms, the Living Benefit Calculator solves for the minimum guaranteed benefit (assuming zero investment performance), showing you results based on the criteria you enter and instantly revealing the products you may wish to consider for each client.

The Living Benefit Calculator was inspired by a pair of veteran licensed agents with over 44 combined years of insurance and financial advisory experience. Our team is constantly researching and refreshing our comprehensive database of the carriers' available programs, so your report results will be as accurate and timely as possible. (Please review our terms of service for details.)

Saving your reports is good business practice, enabling you to demonstrate that you conducted proper due diligence to match your client with the most appropriate product available at the time it was selected.

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This tool is easily responsible for over $800,000 of additional annuity sales. The ability to illustrate the best carrier for income today or at a future date at just a click of a keystroke is absolutely priceless. I verify Living Benefit's calculations with illustrations from the carrier and the Living Benefit Calculator is always correct. To keep up with the industry changing so frequently, this tool has been fantastic. Keep up the good work!

Jim Frye CLU
The Frye Company
Twinsburg, OH


As an Investment Advisor working predominantly in the retirement income planning area, I present annuities for my clients' needs each week. I naturally try to present the carrier and the plan that best fits my client, but it is very difficult considering the many variables and the constant changes to the VA contracts. The Living Benefit Calculator saves me hours and frustration each month, and I no longer need to "outsource" this work. Additionally I gain the peace of mind and confidence that a "system" like this provides.

Freddy Williamson
Williamson Financial
Trussville, AL