Variable Annuity Costs & Scenarios
Calculate account-value scenarios, fee drag, fee comparisons and surrender charges from explicit inputs. It also explains four common guarantee riders. Results include the calculation order and model limits.
Remote MCP URL
https://fairvalueof.com/va-mcp/mcpOpen this URL from an MCP client. A normal browser does not start an MCP session.
Project account value
project_va_account_value Apply an explicit gross return, annual fee and dollar withdrawal, year by year, with a zero-fee comparison.
Calculate fee impact
calculate_va_fee_impact Separate fees deducted from the wider loss caused by missed compounding.
Compare fee levels
compare_va_fee_levels Run two to six fee percentages against the same return and withdrawal assumptions.
Estimate a surrender charge
estimate_surrender_charge Use the withdrawal amount, free-withdrawal allowance and charge percentage from the contract.
Explain a guarantee
explain_va_guarantee Explain GMDB, GMAB, GMWB and GLWB riders and identify the contract terms that matter.