GMAB Guaranteed Principal Floor Solver

Underwrite variable annuity GMAB accumulation riders guaranteeing that policy account balances will equal at least 100% of initial premium deposits at the end of the 10-year holding period.

Principal & Market Assumptions

Initial Annuity Premium Invested ($ USD)

Hypothetical 10-Year Cumulative Market Return (% - e.g. -22.5%)

Annual GMAB Rider Cost (% - e.g. 0.95%)

Protected Floor & Market Downside Slashed

Guaranteed Contract Value at Year-10 Maturity

$450,000 Guaranteed Minimum Floor

Severe Market Crash Wealth Destruction Avoided

+$101,250 Capital Protected from Bear Market

Net Insurance Benefit Return Ratio

2.37x Net Downside Protection Payoff