MRI Summary

Purpose: — Goal Fit: —

Accumulation Value

$—

Current account / accumulation value

Surrender Value

$—

What the client can take today

Projected Lifetime Income

$—

Income base × payout factor

Quick Notes (what you learned / what matters)

Advisor Opportunities (bullets)

Tip: Use this page during your carrier service call + client meeting. The top summary becomes your “talk track” for the review.

1) Client / Contract Information

Client Name

Policy / Contract #

Type of Annuity

Company

Date of Call

Spoke To

2) Current Contract Snapshot

As of (Previous Market Close)

Year Out of Surrender (if any)

Accumulation Value

Surrender Value

Death Benefit

% Cost of Surrender

Enter numbers without the $ sign; commas are optional.

3) Death Benefit Structure

How is death benefit calculated?

Other (if selected)

How do withdrawals affect death benefit?

4) Optional Riders

GMIB

GMWB

GLWB

Annual Benefit Increase (Roll-Up %)

Roll-Up Type

5) Income Design

Income for

Can income increase?

If yes, how? (step-ups / market-based / inflation rider / other)

6) Income Base Details (Critical)

Benefit Base

Current Income Base

Payout Factor (%)

Age Income Can Start

Maximum Deferral Age

Estimated Annual Lifetime Income (auto)

Estimated Monthly Income (auto)

Calculation uses: Income Base × (Payout Factor ÷ 100).

7) Fees & Costs

M&E Fee (%)

Rider Fee (%)

Subaccount Fees (%)

Total Internal Cost (auto)

Fee Notes

8) Liquidity Provisions

Free Withdrawal Amount (%)

RMD Friendly?

Nursing Home Waiver?

Terminal Illness Waiver?

Confinement Waiver?

9) Investment / Allocation (if applicable)

Equities (%)

Bonds / Fixed Income (%)

Fixed Account / Other (%)

Compatible with rider requirements?

Allocation Notes

10) Strategic Assessment

Primary Purpose of Contract

Does current structure match client goal?

Overall Recommendation

Improvement Opportunities

Advisor Next Steps