Annuity Navigator - Accumulation (MYGA)

What is the Annuity Navigator?

The Annuity Navigator is a guided, client-facing tool that helps agents quickly identify and present annuity strategies based on a client’s goals.

It streamlines early-stage conversations by narrowing down options and highlighting the Top 3 recommendations, eliminating the need to manually review multiple products.

When should you use it?

Use the Navigator at the start of a client conversation to:

• Identify client goals (income, growth, protection)
• Guide the conversation in a structured, professional way
• Present tailored options without overwhelming the client

Step-by-Step: How to Use the Navigator

From the main dashboard, select the Qualify dropdown, then click Navigator.

On smaller screens, open the ☰ menu to locate it.

Select Accumulation

Choose Accumulation if the client’s goal is to grow their money over time rather than generate immediate income.

This path is designed for clients who:

• Want tax-deferred growth
• Are focused on long-term accumulation
• Prefer low-risk or protected strategies

Once selected, the Navigator will guide you through a few simple questions to narrow down the best growth-focused annuity options.

Step 1: Choose a Growth Strategy

Select how the client wants their money to grow:

Protected Market Exposure (FIA)

Best for clients who want higher growth potential tied to market indexes, with downside protection (no market loss).

Guaranteed Growth (MYGA)

Best for clients who prefer predictable, fixed returns with a guaranteed interest rate over a set period.

Summary:

FIA offers flexibility and growth potential, while MYGA provides fixed, guaranteed returns.

What do the colors mean?

Each color represents a different type of growth approach:

• Green (Teal) – Protected Market Exposure (FIA)

  Shows growth linked to the market with downside protection (no losses from market drops).

• Red – S&P 500 (Market Performance)

  Represents the actual market, which can go up and down higher risk, higher volatility.

• Blue – Fixed Guaranteed Growth (MYGA)

  Shows steady, predictable growth with a fixed interest rate. (No market exposure)

Step 2: Enter Premium Amount

Enter the initial premium the client plans to allocate.

This step helps refine results by aligning recommendations with the client’s investment level and available product options. You can use an estimated amount (this can be adjusted later as needed)

Step 3: Choose Access to Funds (Liquidity)

Select how much money the client may need to withdraw each year.

• No plans to touch the funds

  Best for long-term growth with no withdrawals.

• Withdraw 5–7% per year

  Allows some access while keeping most funds invested.

• Withdraw 10% or more per year

  Provides more flexibility for clients who may need regular access.

What this step does:

Matches the client with products based on how much access they need to their money.

Simple guidance:

If unsure, choose 5–7% for a balanced option.

Step 4: Choose Contribution Type

Select how the client will add money to the annuity.

• One-time payment

  Add money once (lump sum or rollover).

• Add money over time

  Make additional contributions in the future.

What this step does:

Helps match the client with products that support how they plan to fund the annuity.

Step 5: Timeline (When Will the Client Need Full Access?)

Select when the client may need to take out all of their money at once (not just small withdrawals).

This helps the system match:

• The right surrender period
• The client’s liquidity needs

How to think about it:

• Short timeline (2–4 years): Client may need full access soon → more flexible options
• Long timeline (7–10+ years): Client can leave money longer → more competitive growth options

Step 6: What company rating do you prefer?

Choose the minimum rating to filter which insurance companies are included in your results.

Selecting a higher minimum rating may limit available options, while a lower rating may include more products.

Ratings are assigned by independent agencies (e.g., AM Best) and may change over time.

Step 7: Review your results

Review the top annuity options based on your inputs. From here, you can explore each option further or run additional analysis.

What you can do next:

1. View an illustration

   Click “Illustrate” on any option to see detailed projections and product breakdown.

2. Run AI analysis (GrantAI)

   Click “Run AI Analysis” for a deeper comparison and insights based on your client’s scenario.

3. Explore more MYGA options

   This will take you to the Marketplace, where you can view additional MYGA products and run further comparisons beyond the top results.

4. Start over

   Click “Restart” to begin again.

   This will reset your results and will not save your current selections.

Best Practices

Start with the Navigator to confirm the client’s goal before reviewing MYGA options.

Use the top results as a shortlist to guide the conversation.

Review individual products using illustrations to better understand rates, terms, and features.

Use the Marketplace to explore a broader range of MYGA options if needed.

Restart the workflow if inputs change, as results are not saved automatically.

If you have additional questions, please contact us at help@annuitiesgenius.com, use the chat bubble, or call 949-600-7707.