AIB | FinTools Access
AIB offers various financial tools or calculators to employer groups. These tools can be used to help provide comprehensive life insurance solutions and illustrate insurance needs, prior to applying for coverage.
Social Security Income Calculator
We can also discuss items which can greatly affect your total retirement income—these items can make a big difference on your Social Security decision.
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When you plan to stop working
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Possible income tax on Social Security benefits
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The best way to use other retirement assets and income in combination with Social Security
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How you plan to use your benefits; spend or save
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Survivor/Spousal benefit forecasting
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SSI Decision: Early, Full & Delayed / Breakeven Analysis planning
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Advanced Planning utilizing Life Insurance (funded with SSI)
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Use SSI Calculator along with Cash Flow Decisions (accurate overall picture)
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The Client SSI & CFD calculators are used to help each with supplying basic information & values.
When these are submitted, an AIB professional will add various life insurance enhancements. These can then be reviewed by the client prior to applying for any life insurance.
Sample Report
Cash Flow Decisions Calculator
Cash Flow Decisions will help with forecasting income needs. This may be helpful when there is a shortfall between income needed and income supported. Any shortfall may be covered (for survivors or spouse) with life insurance death benefit.
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Forecasting income needs surplus or shortfall
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Providing accurate household or spousal needs (accurate death benefit)
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​Survivor/Spousal benefit forecasting ​
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Advanced Planning utilizing Life Insurance (funded with SSI)
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Use CFD Calculator along with SSI Calculator (accurate overall picture)
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Sample Report
SSI values only in sample
Personlized SSI & CFD Request
The SSI online calculator will supply Early, Full (age 67) or Late (age 70) SSI values. In order to get the additional values or scenarios an AQA Professional will have to develop these and forward. Our service will look to supply maximum values available with additional planning that will fit each clients goals.
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Included Personalized Report
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Survivor/Spousal benefit forecasting, various assumed death ages
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SSI Decision: Early, Full & Delayed / Breakeven Analysis planning
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Advanced Planning utilizing Life Insurance (funded with SSI)
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Existing asset forecasting and budgeting, survivor income needs analysis
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