🌟 Why Consider This Annuity at Age 48?

1. Immediate Growth with Bonus
   • $300,000 purchase gets an instant 30% bonus → benefit base starts at $390,000
2. Guaranteed Daily Growth
   • The Minimum Income Benefit Value (MIBV) grows 9.5% compounded every year for 12 years, regardless of market ups and downs
   • At age 60, that base is guaranteed to reach $1,158,867.
3. Lifetime Income Protection
   • At age 60, the guaranteed income is about $47,514 annually for life (even if account value is depleted)
   • If deferred longer (e.g., age 64–70), annual income can grow significantly higher, potentially over $60,000–$70,000/year
4. Upside Market Potential
   • While principal is protected, the contract allows for growth tied to well-diversified indices (Goldman Sachs, J.P. Morgan, Loomis, SG Macro, Zebra Edge).
   • Over the last 12 years, the average hypothetical growth rate was 10.44%
5. Tax-Deferred Growth
   • Earnings grow tax-deferred until withdrawal.
   • Helps maximize compounding over time.
6. Legacy Protection
   • Death benefit ensures that beneficiaries receive at least the contract value or income benefit base (depending on circumstances).
7. Access to Funds
   • Up to 7% free withdrawals annually after year 1, and 10% in year 12+, without penalties

✅ Key Benefits for Clients

• Protects your retirement money from market crashes.
• Provides guaranteed income for life—you can never outlive it.
• Builds a predictable retirement paycheck starting as early as age 50.
• Leaves a legacy for your family through death benefits.

👉 In short:
This annuity is like “building your own pension”—with both guaranteed growth and the chance for market upside, while protecting your principal.

It shows how a $300,000 annuity at age 48 grows the benefit base to over $1.1M by age 60, producing $47k+ annual lifetime income.