Annuity Navigator - Lifetime Income
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
1. Access the Navigator
From the main dashboard, select the Qualify dropdown, then click Navigator.
On smaller screens, open the ☰ menu to locate it.
Step 1: Planning Objective - Lifetime
Click and choose the client’s primary goal:
- play video for your client if you wish (optional)
- Income planning (Lifetime Income)
Step 2: Investment Amount - Premium
How much is your client allocating?
This may come from a rollover, transfer, or new contribution.
We use this amount to match the best options.
Step 3 Contributions: How will your client fund this annuity?
One-time deposit
A single payment (rollover, transfer, or cash).
Add more later
Make additional contributions over time.
Step 4: Who is this income for?
Single (male)
Income is based on one individual.
Single (female)
Income is based on one individual.
Joint (client + spouse)
Income covers both individuals and continues for the surviving spouse.
Enter spouse’s age to calculate joint income.
Step 5: When should income start?
Select the age your client plans to begin receiving income.
Starting later can increase income payments.
Step 6: Strategy - How should income be paid?
Choose if your client wants steady income or income that can grow over time.
Options:
Level income
Same income amount for life.
Increasing income
Income may start lower and increase over time.
Step 7: 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 8: 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 more details and projections.
2. Run AI analysis (GrantAI)
Click “Run AI Analysis” for a deeper breakdown and insights based on your client’s scenario.
3. Explore more options
Use the Income Rider Calculator to view more than the top 3 results.
(See Income Rider Calculator video/tutorial for guidance.)
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 establish a clear income direction before running illustrations.
Use the Top 3 results as a shortlist to guide the conversation.
Review individual options using illustrations to better understand features and payouts.
Use additional tools (e.g., calculators) to compare more 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.