{"campaignId":"69e5046c7ba0c51f0e736fb5","campaignVersionId":"6a1490f555092739785c3808","companyId":"67d36b7eb09e66003bf5c777","pageId":"69fe5af5a4d7f80d739dbcd4","pageName":"Income Calculator ","pageSlug":"income-calculator","tag":"interaction","components":[{"_id":"69fe5b26892c95251fa5a24b","type":"component","isTemplate":false,"name":"embed","content":{"body":"<!-- FIA Income Calculator-JB Insurance Brokers -->\n<style>\n* { box-sizing: border-box; }\n body {\n margin: 0;\n font-family: Arial, Helvetica, sans-serif;\n background: #000000;\n color: #f9fafb;\n }\n .jb-fia-wrap {\n max-width: 760px;\n margin: 0 auto;\n padding: 28px 16px;\n }\n .jb-fia-card {\n background: #05070c;\n border: 1px solid #1f2937;\n border-radius: 20px;\n box-shadow: 0 14px 42px rgba(15,23,42,.10);\n overflow: hidden;\n }\n .jb-fia-header {\n padding: 26px;\n background: linear-gradient(135deg, rgba(59,130,246,0.15) 0%, #05070c 70%);\n border-bottom: 1px solid #1f2937;\n }\n .jb-fia-eyebrow {\n display: inline-block;\n background: rgba(59,130,246,0.15);\n color: #3b82f6;\n padding: 7px 11px;\n border-radius: 999px;\n font-size: 13px;\n font-weight: 800;\n margin-bottom: 14px;\n }\n .jb-fia-header h1 {\n margin: 0 0 10px;\n font-size: 38px;\n line-height: 1.04;\n letter-spacing: -1.2px;\n }\n .jb-fia-header p, .jb-fia-note, .jb-fia-disclaimer {\n color: #9ca3af;\n line-height: 1.5;\n margin: 0;\n }\n .jb-fia-body { padding: 24px 26px 26px; 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Calculator data not stored. These estimates are a starting point—to estimate your retirement income accurately, select your state to speak with a licesed CRPS®.</p>\n </div>\n\n <div class="jb-fia-body">\n <div class="jb-fia-field">\n <label for="amountInput">Amount to protect / invest <span id="amountLabel">$100,000</span></label>\n <div class="jb-fia-row">\n <input id="amountSlider" type="range" min="100000" max="2000000" step="10000" value="100000">\n <input id="amountInput" type="number" min="100000" max="2000000" step="10000" value="100000">\n </div>\n </div>\n\n <div class="jb-fia-two">\n <div class="jb-fia-field">\n <label for="currentAge">Current age</label>\n <select id="currentAge"></select>\n </div>\n <div class="jb-fia-field">\n <label for="incomeAge">Start income at age</label>\n <select id="incomeAge"></select>\n </div>\n </div>\n\n <div class="jb-fia-field">\n <label for="payoutType">Payout type</label>\n <select id="payoutType">\n <option value="single">Single life</option>\n <option value="joint">Joint life</option>\n </select>\n </div>\n<button class="jb-fia-button" id="calcButton" type="button">Calculate my estimate</button>\n <div class="jb-fia-success" id="successOut">Estimate updated.</div>\n <div id="errorBox" class="jb-fia-error"></div>\n\n <div class="jb-fia-output">\n <div class="jb-fia-label">Estimated monthly lifetime income</div>\n <div class="jb-fia-big" id="monthlyOut">$0/mo</div>\n <p id="summaryOut">Enter your details above to calculate an estimate.</p>\n <div class="jb-fia-pill">High-end FIA income-rider estimate</div>\n\n <div class="jb-fia-metrics">\n <div class="jb-fia-metric"><span>Annual income</span><strong id="annualOut">$0</strong></div>\n <div class="jb-fia-metric"><span>Income base</span><strong id="baseOut">$0</strong></div>\n </div>\n\n <div class="jb-fia-steps">\n <div class="jb-fia-step"><div class="jb-fia-num">1</div><div><strong>Start with deposit</strong><p id="step1">Your deposit is the starting premium.</p></div></div>\n <div class="jb-fia-step"><div class="jb-fia-num">2</div><div><strong>Build income base</strong><p id="step2">Roll-up applies only during delayed income years.</p></div></div>\n <div class="jb-fia-step"><div class="jb-fia-num">3</div><div><strong>Calculate income</strong><p id="step3">Age and payout type determine the income factor.</p></div></div>\n </div>\n </div>\n\n <p class="jb-fia-disclaimer">\n Estimates vary by age, state availability, carrier, rider, bonus structure, roll-up method, rider charges, single/joint option, and when income begins. This calculator uses high-end income-rider assumptions for education and is not a contract or guarantee.\n </p>\n </div>\n </div>\n</div>\n\n<script>\n(function () {\n var config = {\n maxRollupYears: 10,\n compoundRollup: true,\n jointReduction: 0.85,\n payoutFactors: {\n // Calibrated as a high-end FIA income-rider estimate.\n // Anchor checks:\n // Age 65 immediate: 7.80% = $39,000/yr on $500,000.\n // Age 79/80 with 5-year deferral remains near the prior top-quote result.\n 55: 0.058,\n 60: 0.067,\n 62: 0.071,\n 65: 0.078,\n 67: 0.081,\n 70: 0.086,\n 72: 0.089,\n 75: 0.094,\n 77: 0.097,\n 79: 0.099,\n 80: 0.101,\n 82: 0.106,\n 85: 0.112,\n 90: 0.125,\n 95: 0.135,\n 100: 0.145\n }\n };\n\n function $(id) { return document.getElementById(id); }\n\n function money(value) {\n value = Number(value);\n if (!isFinite(value)) value = 0;\n return "$" + Math.round(value).toString().replace(/\\B(?=(\\d{3})+(?!\\d))/g, ",");\n }\n\n function fillAgeDropdowns() {\n var currentSelect = $("currentAge");\n var incomeSelect = $("incomeAge");\n\n currentSelect.innerHTML = "";\n incomeSelect.innerHTML = "";\n\n for (var age = 50; age <= 95; age++) {\n var opt = document.createElement("option");\n opt.value = String(age);\n opt.text = String(age);\n if (age === 65) opt.selected = true;\n currentSelect.appendChild(opt);\n }\n\n for (var startAge = 50; startAge <= 100; startAge++) {\n var startOpt = document.createElement("option");\n startOpt.value = String(startAge);\n startOpt.text = String(startAge);\n if (startAge === 65) startOpt.selected = true;\n incomeSelect.appendChild(startOpt);\n }\n }\n\n function rebuildIncomeAgeDropdown(currentAge, selectedIncomeAge) {\n var incomeSelect = $("incomeAge");\n var finalSelected = Math.max(currentAge, selectedIncomeAge || currentAge);\n\n incomeSelect.innerHTML = "";\n\n for (var age = currentAge; age <= 100; age++) {\n var opt = document.createElement("option");\n opt.value = String(age);\n opt.text = String(age);\n if (age === finalSelected) opt.selected = true;\n incomeSelect.appendChild(opt);\n }\n }\n\n function payoutFactor(age) {\n var table = config.payoutFactors;\n var ages = [55,60,65,70,75,80,85,90,95,100];\n\n if (age <= ages[0]) return table[ages[0]];\n if (age >= ages[ages.length - 1]) return table[ages[ages.length - 1]];\n\n for (var i = 0; i < ages.length - 1; i++) {\n var low = ages[i];\n var high = ages[i + 1];\n if (age >= low && age <= high) {\n var progress = (age - low) / (high - low);\n return table[low] + ((table[high] - table[low]) * progress);\n }\n }\n return table[55];\n }\n\n function calculateCore(premium, currentAge, incomeAge, payoutType, rollup) {\n var deferYears = Math.max(0, incomeAge - currentAge);\n var rollupYears = Math.min(deferYears, config.maxRollupYears);\n var incomeBase = config.compoundRollup\n ? 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"joint lifetime" : "single lifetime";\n\n $("monthlyOut").innerHTML = money(result.monthly) + "/mo";\n $("annualOut").innerHTML = money(result.annual);\n $("baseOut").innerHTML = money(result.incomeBase);\n $("summaryOut").innerHTML =\n "Estimated " + typeText + " income beginning at age " + input.incomeAge +\n ", based on " + result.deferYears + " year(s) of deferral. These are general estimates—on your call we will see what your income could look like based on your situation.";\n $("step1").innerHTML = money(input.premium) + " is the starting premium.";\n $("step2").innerHTML =\n "10% income-base roll-up applied for " +\n result.rollupYears + " year(s). Income base is not cash value.";\n $("step3").innerHTML =\n "Your estimate is based on your age, income start age, payout type, and current top-tier carrier assumptions. 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Retirement income conversation

"},"parentId":"69ff5d2b36f7532e3616ef4a","categoryId":"5a957843b727462286d2d61e","sectionId":"5a957be4a2f9ed33569e4b6e","campaignId":"69e5046c7ba0c51f0e736fb5","components":[],"allowedChildSections":[],"pageId":"69fe5af5a4d7f80d739dbcd4","companyId":"67d36b7eb09e66003bf5c777","componentType":"text","createdAt":"2026-05-09T16:13:31.420Z","updatedAt":"2026-05-09T16:13:31.420Z","__v":0},{"_id":"69ff5d2b36f7532e3616ef56","type":"component","isTemplate":false,"name":"text","content":{"kind":[],"box":{"bottom":"xLarge","top":"xLarge","right":"xLarge","left":"xLarge"},"responsive":{"active":false,"hasContainer":true,"options":{"size":[],"offset":[]},"mapping":[]},"align":"center","size":"medium","text":"Das ist ein Text Block für deine Nachricht.","plainText":"We specialize in being able analyze, and find the best safe money options available in the country.","color":"transparent","wysiwygHtml":"

We specialize in being able analyze, and find the best safe money options available in the country.

"},"parentId":"69ff5d2b36f7532e3616ef4a","categoryId":"5a957843b727462286d2d61e","sectionId":"5a957be4a2f9ed33569e4b6e","campaignId":"69e5046c7ba0c51f0e736fb5","components":[],"allowedChildSections":[],"pageId":"69fe5af5a4d7f80d739dbcd4","companyId":"67d36b7eb09e66003bf5c777","componentType":"text","createdAt":"2026-05-09T16:13:31.428Z","updatedAt":"2026-05-09T16:13:31.428Z","__v":0},{"_id":"69ff5d2b36f7532e3616ef58","type":"component","isTemplate":false,"name":"questionForm","content":{"kind":[],"box":{"bottom":"medium","top":"medium","right":"large","left":"large"},"align":"center","plainText":"What state do you live in? (takes less than 2 mins)","fieldName":"question_piwv9a","wysiwygHtml":"

What state do you live in?
(takes less than 2 mins)

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Continue →

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JB Insurance Brokers

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For over 10 years, we've helped clients secure peace of mind by knowing they have the best coverage in place.

We welcome the opportunity to learn more about you — and see if we're the right fit to help protect what matters most.

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2813 Gulf to Bay Blvd. Ste #259, Clearwater FL, 33759, United States
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