Find the income question before comparing solutions

A gap calculation organizes the conversation. It does not decide how the gap should be funded.

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Estimate the monthly income question

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Expected monthly expenses $Dependable monthly income $

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Estimate a normal month

Separate essential and flexible expenses, then note costs that may change over time. A single month is a starting point, not a complete retirement plan.

Record dependable income carefully

List the sources, start dates, inflation treatment, survivor terms and taxes that may affect the amount available.

Keep liquidity visible

Emergency needs, near-term purchases and uncertain expenses deserve attention before money is committed to restrictions.

Ask what each guarantee covers

Income, accumulation value, surrender value and death benefit can be different contract values.

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Retirement-income preparation worksheet

A printable record of expected expenses, dependable income and questions for professional review.

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Open the printable worksheet

Choose whether to request professional help

Annuity inquiries are handled by a separate partner, not by the Farmers agency that handles other insurance inquiries.

Online contact requests are currently unavailable. Read or print the guide, then take your questions to a qualified professional of your choice. Using this page does not request contact or confirm insurance availability.

Sources and limits

Check the current information

Content updated September 3, 2026. General sources explain the category. Current contracts, program documents and applicable authorities control individual situations.

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Keep the next step specific

Use the information above with the current documents and appropriately qualified professionals for your situation.

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