Demonstrate VA value to clients with transparent, interactive analysis tools.
Variable Annuities are hard to explain with brochures and static illustrations. Our interactive calculator lets clients drag market scenarios and see — in real time — how guarantees protect their money in crashes and how fees affect their returns in bull markets.
When clients understand the trade-offs, they make better decisions and trust your recommendations.
VA account vs naked portfolio in every scenario
GMDB, GMAB, GMWB, GMWB+Ratchet, GMIB
Month-by-month rider charges, management fees, surrender costs
Drag to simulate bull, bear, crash & recovery — clients see it instantly
Open the calculator during discussions. Let clients interact with the controls and see personalised scenarios with their actual investment amount and age.
Share our Learn articles with clients before meetings. When they arrive already understanding GMWB vs GMIB, the conversation starts at a higher level.
"VAs have too many fees." Show a crash scenario where the GMWB guarantee pays back $40,000 more than the fees charged. Let the numbers speak.
If you share calculator outputs with clients, you are responsible for adding your own compliance disclaimers and disclosures as required by your regulatory obligations. This tool does not generate compliant client-facing illustrations.
VariableAnnuityGuide.com is an educational tool, not a regulated financial service. Neither VariableAnnuityGuide.com nor Raganele Consulting is regulated by the FCA, SEC, FINRA, or any financial regulatory authority.
Open the calculator, set your client's investment amount and age, select their preferred guarantee type, and walk through bull and bear market scenarios together.
"Should my client swap their old VA for a new one?" Factor in remaining surrender charges, fee differentials, tax implications, and the cost of resetting guarantee clocks. No good public tool exists for this.
Generate branded PDF reports showing client-specific scenarios. Include your firm's name and compliance disclosures.
Compare multiple guarantee types side-by-side in a single view. Show clients how GMWB vs GMWB+Ratchet performs across scenarios.
"Is the GLWB rider worth 1.15%/year?" Run scenarios where the guarantee kicks in vs. scenarios where you paid for insurance you never used. Show the breakeven.
Embed the calculator on your own website with your branding. API access for custom integrations.