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Advisor Use Only

Annuity Upgrade

Does this annuity deserve review? See whether the new offer earns a deeper replacement review.

How to use this tool

Use this as a replacement-review screen. The tool should answer whether a proposed annuity creates enough value to justify a deeper review of the existing contract.

  1. Enter the current annuity values and the proposed offer assumptions.
  2. Focus on the recovery gap and breakeven story before debating product features.
  3. Use the output to decide whether to review further, not to make a replacement recommendation from this screen.

Does the new offer recover the surrender charge?

Fast path: enter the current account value, surrender value, proposed bonus, and cap-rate comparison. Fees, fixed rates, and legacy details stay tucked away until they matter.

Old contract

Optional. Annual drag applied to current fixed and indexed paths after crediting.

New offer

Applied to the cash-out / surrender value being moved, not the old account value.
Optional. Annual drag applied to proposed fixed and indexed paths after crediting.

Renewal rates

Enter values to see whether the old contract is still earning its spot.

Annuity Upgrade scope

The output should trigger or decline further review. It is not a replacement recommendation without full suitability and compliance review.

Purposereview triggerCarrier termsmust verifySurrendermust verifyOutputreview warranted
Disclosures and important information
Educational use only.

These tools are intended for advisor education and planning conversations. They are not a recommendation or client-specific advice.

Not tax, legal, investment, or product advice.

Tax, legal, investment, and insurance decisions should be reviewed with the client’s qualified professionals and the advisor’s compliance process.

Illustrative assumptions.

Outputs depend entirely on user-entered assumptions and simplified formulas. Actual results may differ materially.

Tax estimates are simplified.

Tax calculations may not fully reflect deductions, credits, state taxation, IRMAA, Social Security taxation, AMT, NIIT, filing-status changes, or future law changes unless explicitly modeled.

Product and rate assumptions.

Any annuity bonus, cap, participation, fee, income, or legacy value shown is hypothetical unless supported by current carrier-approved materials.

No guarantees.

Projections do not guarantee future performance, income, tax treatment, product availability, or client outcomes.

Compliance review required.

Client-facing use, screenshots, exports, and presentations should be reviewed under the advisor’s firm, broker-dealer, RIA, IMO, carrier, and state requirements.

Client-specific review required.

Before implementation, verify account values, cost basis, beneficiary designations, liquidity needs, surrender schedules, fees, riders, tax forms, and client objectives.