This calculator compares products in the DPL investment portfolio with respect to projected Guaranteed Income based on initial investment amount or income needs. There may be additional products available that may perform similar or superior to the products analyzed by this tool.

This tool should be used for informational purposes only and should not be relied upon to provide financial advice to any client. The outcomes and projections provided by the calculator are hypothetical in nature and do not represent actual investment results, nor are they guarantees of future results. If you or your client are interested in learning more about a specific product or product benefits and features, please consult with a licensed DPL insurance professional. You should not discuss specific product benefits or features with your client beyond the general, hypothetical information provided by the calculator, nor should you provide any recommendation to your client without a license to sell insurance.

Variable, fixed indexed (equity indexed in Oregon) and single premium indexed annuities are complex products combining features of life insurance and securities. Different products have various features that may include surrender charges, market risks, potential tax implications, and fees and costs. A product may not be suitable for your client and each product's features should be discussed with a licensed insurance professional. Potential tax consequences that should be discussed with a tax professional and/or attorney.

The outcomes and projections provided by the calculator are hypothetical in nature and do not represent actual investment results, nor are they guarantees of future results. If you or your client are interested in learning more about a specific product or product benefits and features, please consult with a licensed DPL insurance professional.

Products and Features may not be available in all states.

The reason there may be a 0 in income for the current annuity is a rider was not selected that generates income or the data was not available for the rider you specified. Please contact us at 1-888-327-0049 for more information.

Variable annuities are investments subject to market fluctuation and risks, including possible loss of principal. Units, when withdrawn or surrendered, may be worth more or less than your original investments.

Variable annuities are long term investments to help your clients meet retirement and long-range goals. Withdrawals prior to age 59 ½ may incur a 10% IRS tax penalty. Variable annuities are not deposits or obligations of, or guaranteed by any bank, nor are they FDIC insured.

Fixed index annuities are not stock market investments and do not directly participate in any equity, bond, other security, or commodities investments. Indices do not include dividends paid on the underlying stocks and therefore do not reflect the total return of the underlying stocks. Neither an index nor any fixed index annuity is comparable to a direct investment in the equity, bond, other security, or commodities markets.

SPIA products must take income within the first 12 months.

All guarantees are based on the claims paying ability of the issuing insurance company.

Different products have various features that may include market risks, potential tax implications, and fees and costs. All products may not be suitable for your client and each product's features should be discussed with a licensed insurance professional. Potential tax consequences should be discussed with a tax professional and/or attorney.

Understand you have other options to preserve the tax-deferred status of your retirement account, including: i) remaining in your current account; ii) rolling over your account into a new employer's plan (if applicable); and/or rolling over or transferring to a new account or account type.

The way we make money may create some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours.

We used our best efforts to obtain the Requested Documentation, which we explained is necessary for us to make an apples-to-apples comparison of your options and acknowledge that you are solely responsible for the consequences of failing to provide such information.

The following methodology is used for each calculation of simulated outcomes.

1. All results in this calculator reflect a summary of 1,000 Monte Carlo simulations sampling historical market returns going back to 1988. It's important to remember that Monte Carlo simulation assumes that the future will be at least somewhat like the past, considering we're using historical data as the guide for each simulation. Results may vary with each use and over time.
2. Due to investment restrictions implemented within some product income riders, equity allocations are capped at specified percentages.
3. Variable Annuity products randomly sample historical S&P returns while Fixed Indexed Annuities randomly sample S&P Ex-Dividend returns annually.
4. The Fixed Rate following the first year for Variable Annuity products is randomly sampled from historical 10-year Treasury yields adjusted by the difference in the historical Treasury average yield and inputted rate.
5. For FIAs, the fixed allocation uses the product's declared fixed rate.
6. Cap rates, buffers and downside protection are applied to the equity market returns of the Fixed Index Annuity and Registered Index-Linked Annuity products.
7. The simulation uses average fund expenses and assumes no transaction costs.
8. SPIAs are not affected by market returns within the simulation.
9. RILAs simulate a 100% equity allocation sampling historical S&P Ex-Dividend annual returns.
10. Anticipated, Conservative and Aggressive correlate to the 50th, 10th and 90th percentiles of the Monte Carlo simulation.
11. Distribution channels where commission products are available will not include advisory fees in the fee-based products.
12. GMIB (Guaranteed Minimum Income Benefit) riders are simulated using a hypothetical calculation methodology. The rollup rate is used as the withdrawal rate, with income treated as withdrawals from account value until depleted, then the benefit base is annuitized at the same rate. Unlike standard living benefits, rollups continue during the withdrawal phase until the specified rollup period or age limits are reached. Income is recalculated only when the benefit base increases. Actual GMIB benefits vary by product and carrier - please consult specific product documentation for complete details.