How much guaranteed monthly income does $100,000 or $250,000 buy?
Short answer: in live quotes we ran on October 15, 2026, $250,000 bought about $2,510 a month for life (age 60, income starting at 65) and $100,000 bought about $1,093 a month for life (age 65, income starting at 70). Both came from insurers rated A by AM Best. Your number depends on your age, state, and when you start, so run your own free quote below.
Real quotes: $250,000 and $100,000
These are lifetime income quotes from fixed indexed annuities with an income rider, single life, one-time deposit. We show the insurer's AM Best rating, not its name.
| Profile | Amount | Income starts | Monthly income for life | AM Best rating |
|---|---|---|---|---|
| Man, age 60, Texas | $250,000 | Age 65 | about $2,510 | A |
| Man, age 60, Texas (option 2) | $250,000 | Age 65 | about $2,418 | A+ |
| Man, age 60, Texas (option 3) | $250,000 | Age 65 | about $2,401 | A |
| Woman, age 65, Florida | $100,000 | Age 70 | about $1,093 | A |
Quoted October 15, 2026. Rates change often and these are examples, not offers. Your quote depends on your exact age, state, amount, and start date.
$250,000: about $30,000 a year for life
At about $2,510 a month, the 60-year-old in our example would receive roughly $30,120 a year starting at 65, for as long as he lives. That is in addition to Social Security. If his account value ever runs to zero, the payments keep coming, as long as he stays within the rider's withdrawal rules.
$100,000: about $13,000 a year for life
At about $1,093 a month, the 65-year-old in our example would receive roughly $13,116 a year starting at 70. Waiting five years before turning income on is one reason the payout is strong for that deposit size.
What changes your number
- Age when income starts. Older start ages pay more per month because payments are expected to run for fewer years.
- How long you wait. Each year you defer usually grows the income base and raises the payout.
- Amount you put in. Income rises with your deposit, though some products have minimums and rate bands.
- Single or joint. Income that covers two lives (you and a spouse) pays less per month than single-life income.
- Your state and sex. Product availability and rates vary by state, and some products price by sex.
- Today's rates. Insurers change rider rates often. That's why our tool runs a live quote for your exact inputs.
Why we show the rating, not the company
Every option shows the insurer's AM Best financial strength rating (A-, A, A+) so you can judge how strong the company behind the guarantee is. One of our licensed advisors shares the company and product details on a free 15-minute call, confirms you qualify, and walks you through fees and surrender terms before you decide.
See your own guaranteed income number
Enter your age, state, amount, and start age to get a live quote in about 30 seconds. Want the company name and to lock it in? Book a free call with our team. No pressure.
Run my free quoteBook a free call with a licensed advisorFAQ
Is the income really guaranteed for life?
Yes, by contract. The rider pays for life even if your account value runs to zero, as long as you don't take more than it allows. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurer. Annuities are not FDIC insured.
Can I lose money in the stock market?
No. Fixed indexed annuities aren't invested in the market and have a 0% floor on credited interest. Withdrawing more than the free amount during the surrender period (usually about 10 years) triggers surrender charges.
Are there fees?
Income riders typically cost about 1.0–1.5% a year of the benefit base. You'll see the exact fee before deciding.
Do I have to talk to someone to get a quote?
No. The instant quote tool shows your top options right away. A call with one of our licensed advisors is only needed if you want the company name, product details, or to move forward.