Show Retirement Income Estimates Aligned with Today’s Annuity Assumptions

When you’re helping clients evaluate guaranteed income, small differences in assumptions can have a meaningful impact on how a strategy plays out over the course of their retirement. That’s why you need annuitization projections that mirror how today’s annuity products are priced, structured, and used in real retirement income planning. Updated assumptions help ensure projections reflect current market conditions and modern longevity trends.

This update is part of our ongoing effort to ensure the assumptions and data used in eMoney align with current industry standards, regulations, and how planning is actually done today.

Why This Matters to You

• More relevant projections: Updated assumptions create more realistic income estimates for retirement planning conversations.
• Higher expected payouts: You may see higher projected income due to the net effect of these updates.
• Small impact on plans: Only clients who plan to annuitize a deferred annuity in the future will see changes from this update. Fewer than three percent of clients fall into this group, and for most of them, the effect on overall plan results will be minimal.

What’s New

• An updated mortality table moving from 2000 to 2012 data, improving annuity income projections by better reflecting modern life expectancy
• A reduction in the default management fee from 5% to 2.5%, aligning assumptions that were set over 20 years ago with current market research and what clients typically pay today

Use This When…

You’re showing a client how much income an annuity might provide in retirement. For example, when helping a client nearing retirement understand what their deferred annuity could pay out, these updated assumptions give you a more realistic estimate based on today’s fees, life expectancy, and longer‑term investment environment.