What If

Step into a possible future.

Long-term financial products are chosen today but experienced over years or decades. What If lets you change a condition and see why it could matter.

The goal is not to predict the future. It is to make the effect of changing conditions easier to see.

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Featured scenario

What if I live longer than expected?

Each What If experience isolates a condition, lets you change it, and shows how the result responds.

Live to age 95

Income received from 65 to

from your own account paid by the guarantee

Paid by the guarantee, after your account runs out

Your account runs out at . From then on the $5,000 a year comes from the insurer — the part you have been paying the rider fee for.

$100,000 at 65 with a guaranteed $5,000 a year for life, 6% gross. Contract and fund costs of 2.13% on the account, and a 1.25% rider fee on the $100,000 base — the cost layers from a representative Review.

What changed
How long the income has to last.
What stayed constant
The $5,000 a year, the 6% gross return, and the cost layers.
What this does not establish
How long anyone will actually live, or what a specific contract pays.

Scenario library

Change one thing. See what happens.

Every What If lives here. Each one isolates a single condition, and the set grows over time.

Longevity

What if I live longer than expected?

How long the income has to last, and what the guarantee pays once the account runs out.

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Inflation

What if inflation stays higher?

What the figure on the statement actually buys after ten years of higher prices.

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Interest rates

What if interest rates fall?

How recurring costs behave when the return they are charged against falls.

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Access

What if I need access to the money earlier?

What an early-access charge takes, year by year, until it runs out.

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Returns

What if returns arrive differently?

The same ten returns in a different order, and what yearly withdrawals lock in.

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Pooling

What if longevity risk is pooled?

What sharing the risk with others can add, and what it asks for in return.

In development

Questions in development

Costs and friction

Liquidity

Transparency

How to read a What If.

What changed
The one condition the slider moves, and nothing else.
What stayed constant
Every other input, listed under each model.
What the model shows
How the result responds to that condition, in dollars.
What it does not establish
What the future will do, or how a specific contract behaves.

What If scenarios are general educational analyses. They do not predict future markets, inflation, interest rates, longevity, or product performance, and unless stated otherwise they are not simulations of a particular annuity contract or LS Review.

Two different questions

The Review investigates the product. What If changes the conditions around it.

LS Review

The specific product in front of you.

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What If

The conditions around it.

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You cannot know the future. You can understand more about what could matter.

A Review establishes what the product in front of you actually commits to.

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