FOR FINANCIAL PROFESSIONAL USE ONLY — NOT FOR CLIENT DISTRIBUTION. This document is intended solely for use by licensed insurance professionals in the course of their practice. It is confidential and may not be reproduced, forwarded, or distributed to any client, prospective client, member of the public, broker-dealer, or any other party without the express written consent of the producing advisor. Receipt of this document by any unauthorized party does not constitute a waiver of its confidential nature.

Hypothetical Projections Only — Not a Carrier Illustration. All income figures, benefit base projections, rollup calculations, payout amounts, and breakeven analyses presented in this document are hypothetical in nature and are generated solely from advisor-entered assumptions. This analysis is not an official carrier illustration and has not been produced by, reviewed by, approved by, or endorsed by any insurance carrier, annuity company, or their representatives. These projections do not represent a guarantee, promise, or commitment of any kind by any insurance carrier. Actual contract values, income amounts, rollup credits, payout rates, rider terms, and fees may differ materially — and in some cases substantially — from those shown here. All figures must be independently verified using each carrier's official licensed illustration software before any recommendation is made or any contract is placed.

No Reliance — Consult Carriers Directly. Advisors, clients, and all other readers of this document are strongly urged to obtain official illustrations directly from the applicable insurance carriers prior to making any financial decision. Carrier product features, rates, rollup credits, payout factors, and fee structures are subject to change without notice and vary by state, issue age, and contract terms. The assumptions used in this tool may not accurately reflect current product terms or state-specific variations. This document should never be used as a substitute for an official carrier-generated illustration.

No Liability — Mach96, LLC. Mach96, LLC provides this calculator tool on an "as-is" basis as a productivity aid for licensed insurance professionals. Mach96, LLC makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of any output generated by this tool. Mach96, LLC shall not be liable — under any theory of liability, including negligence, contract, tort, or strict liability — for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or related to the use of, reliance upon, or inability to use this tool or any output it produces. This limitation applies regardless of whether Mach96, LLC has been advised of the possibility of such damages. Use of this tool constitutes acceptance of these terms.

Not Securities Licensed — No Securities Advice. Mach96, LLC is not registered as a broker-dealer, investment advisor, or securities firm with FINRA, the SEC, or any state securities regulator. Nothing in this document constitutes investment advice, a securities recommendation, or an offer or solicitation to buy or sell any security or securities product. Fixed and fixed-indexed annuity products are insurance products, not securities. Advisors are solely responsible for ensuring that any product recommended is suitable for their client under applicable suitability or best-interest standards and that all required broker-dealer, carrier, and regulatory approvals are obtained prior to placement.

Not Legal, Tax, or Compliance Advice. This document does not constitute legal, tax, accounting, or compliance advice. Advisors should consult with qualified legal, tax, and compliance professionals before making any recommendation. Clients should be advised to consult their own tax and legal counsel.

Advisor Responsibility. The licensed insurance professional using this tool is solely responsible for the accuracy of all inputs entered, the suitability of any recommendation made, compliance with all applicable state insurance laws and regulations, broker-dealer supervision requirements, and carrier contracting and appointment requirements. Mach96, LLC assumes no responsibility for recommendations made by advisors based on this tool's output.