NorthStar Financial Education GroupFINANCIAL ADVISORY · INSURANCE · RETIREMENT PLANNING

3-Annuity Comparison Tool · 三类年金对比工具

3 Annuity Comparison · 三种年金对比

Guaranteed Income · Allianz ABC · Athene Agility 10 · 仅限持牌代理人内部使用

客户基础信息 · Client Basics

当前年龄 Current Age

投入金额 Initial Investment ($)

开始领取年龄 Income Start Age

领取至年龄 Max Age

开始年份 Start Year

领取类型 Filing

Single Joint

① 保证收入型年金

Guaranteed Income Annuity (SPIA / MYGA-like)

每年领取金额 Annual Payout ($)

账户增长率 Declared Rate (%) 未拿出部分账户值的年增长率

特性：保终身收入 — 每年金额固定，即使账户值归零，carrier 仍持续支付至客户去世（账户归零后显示为"—"，代表 carrier 承担长寿风险）

② Allianz ABC

Income Strategy Annuity

假设回报率 Assumed Return (%)

Bonus / Growth Option

结算频率 Crediting

查看 ABC 内置参数

初始 Bonus	1.25× (Benefit Base = 投入 × 125%)
Accelerated CV	0.5× growth multiplier
Accelerated Base	2.5× growth multiplier
Balanced CV	1.0× growth multiplier
Balanced Base	1.5× growth multiplier
退休后 CV/Base	1.0× / 1.5× (重置)
Joint 调整	所有 wd% 减 0.50%

单身 Withdrawal % 分档：

50–543.25%

55–593.75%

60–794.75%

80+5.25%

③ Athene Agility 10

Income Bonus Rider

假设回报率 Assumed Return (%)

结算频率 Crediting

查看 Agility 内置参数

初始 Bonus	1.55× (Benefit Base = 投入 × 155%)
Base Increase	2.0× (AV 增长×此倍计入 BB)
Joint 调整	所有 wd% 减 0.50%

单身 Withdrawal % 逐岁表：

503.00%

655.00%

513.00%

665.10%

523.00%

675.20%

533.00%

685.30%

543.00%

695.40%

553.00%

705.50%

563.20%

715.60%

573.40%

725.70%

583.60%

735.80%

593.80%

745.90%

604.00%

756.00%

614.20%

766.10%

624.40%

776.20%

634.60%

786.30%

644.80%

796.40%

80+ → 6.50%

填写左侧参数后点击 Calculate & Compare

Important Disclosures · 重要声明

1. Authorized Use · 授权使用：This tool is intended solely for use by licensed insurance agents and brokers of NorthStar Financial Education Group as an internal analytical aid. 本工具仅供 NorthStar 持牌代理人内部分析使用。

2. Not Sales Material · 非销售材料：Not a client-facing presentation, illustration, or marketing material. 非客户面向材料，不得对外发放或用于客户招揽。

3. Estimates Only · 仅为估算：All values are computational estimates based on user-entered assumptions. The official carrier illustration shall govern. 所有数值为估算值，以保险公司正式 illustration 为准。

4. Local Processing · 本地处理：This tool runs entirely in your browser. No data is transmitted to any server. 完全本地运行，数据不上传。

5. No Advice · 非建议：Output does not constitute tax, legal, or investment advice. Consult CPA, attorney, and licensed advisor. 不构成税务、法律或投资建议，应咨询 CPA、律师及持牌顾问。

6. Carrier Independence · 与保险公司无关联：This tool is independent analytical software, not endorsed by or affiliated with Allianz, Athene, or any other carrier referenced. 本工具为独立分析软件，未获 Allianz、Athene 或任何保险公司的背书或正式关联。