This document discusses using fixed indexed annuities to guarantee income in retirement. It notes that FIAs can guarantee a 7% annual rate of return on the accumulation value and provide guaranteed lifetime income payments. The guaranteed income benefit is calculated by subtracting the policyholder's age at payout from 10, so a 70 year old would receive 6% of the accumulation value annually for life. The document provides an example showing that a 79 year old with a $500,000 accumulation value could receive $34,500 annually, guaranteed for life. FIAs offer guarantees that traditional investments like stocks cannot, including protecting against market downturns and ensuring income that cannot be outlived.