iPipeline CIS / Illustrations

Annuities

iPipeline provides a variety of Annuity Illustrations, shown below, configured to your specifications:

  • Equity indexed
  • Immediate (single and joint life) or Deferred
  • Split
  • Unbundled
  • Variable or Fixed (including Variable Immediate and Deferred)

Annuity reports are structured to accommodate a wide variety of customer needs, as listed below:

  • Branding of the User Interface and illustration output to vary for a Carrier through the use of "private labels"
  • Comparative illustrations
  • Historical performance or forward-looking hypothetical illustrations
  • Portfolio and stacked illustrations
  • Single product illustrations

Annuity Illustrations include a Policy Configuration Wizard that recommends investment strategies based on risk tolerance questionnaire responses and other evaluation results from the Asset Allocation section.

The following sales and presentation tracks that complement the annuity presentation can be added to an iPipeline Annuity Illustration system:

  • Funding retirement
  • Charitable remainder annuity trusts
  • Taxable vs. tax deferred
  • Rule of 72
  • Dollar cost averaging
  • Power of before tax contributions

Annuities and related products include the following:

  • Immediate Annuities [ + ]

    iPipeline's Immediate Annuity solution offers the most flexible calculations in the industry. Monthly iterations allow for varied assumptions of interest, mortality and non-level payments, which facilitate calculations of COLA, balloon payments, lump sums, return of premium, and other streams of non-level payments. Mortality and interest assumptions can be easily configured, according to individual company formulas. We also offer the flexibility to consider deferred SPIA payments that begin before or after the "normal" start date. Calculations can be based on first principles (annual or modally), tables, or configured to your needs.

  • Unbundled Annuities [ + ]

    iPipeline lets you configure annuities to better suit your clients' needs and objectives. Output illustrations may incorporate select feature/benefit pages, while carrier-defined business rules prevent inappropriate feature combinations. A full array of options is available, including:

    • Stepped-up death benefit
    • Enhanced earnings benefits (EEB)
    • Guaranteed minimum income benefits (GMIB)
    • Guaranteed minimum accumulation benefits (GMAB)
  • Variable Annuities [ + ]

    Choose from a host of equity options for variable annuity illustrations:

    • Dollar cost averaging
    • Interest sweep
    • Portfolio re-balancing
    • Asset allocation based on risk tolerance and financial objectives
  • Required Distributions [ + ]

    iPipeline offers retirement distribution planning calculations and reports for virtually every annuitization option--whether funded with immediate, variable or fixed annuities, or a combination thereof--each of which can be calculated, displayed and compared with other options. Additional products and options that may be calculated and displayed include:

    • Immediate, variable, or fixed annuities
    • 72(t)
    • 72(q)
    • Required minimum distributions
    • Scheduled withdrawals by dollar or percentage
    • Various share classes (A,B,C,L)

For further information please contact our sales team…
call 800-758-0824 and select option 2
or email sales@ipipeline.com.