A fixed-account crediting rate, a premium bonus and a lifetime income rider can work together for retirement income, Roth-conversion funding, tax planning or legacy. See the shape of it in your own numbers — no carrier quote, no account required.
The annual and monthly lifetime income the protected strategy can produce at your chosen start age.
How the account value can grow with the bonus and fixed crediting, compared to the same premium without a bonus.
Whether the illustration works better from savings or an IRA rollover, and what goal it best serves.