Paramount Life recognizes that income generation and capital protection need to be treated in tandem to ensure cost effective efficient benefits for retirees.  This can be compared to the Total Benefit that emerges from the Estate Protect™ product design, ensuring that capital protection doesn't compromise the provision of retirement income.  

By acknowledging that a retiree has a target Total Benefit that they wish to achieve, benefits can be efficiently structured. 

It is an unfortunate reality that most retirees have insufficient funds at retirement to cater for the full income that they require. 

Total Benefit Technology recognizes this fact and allows any retiree irrespective of fund size to manage the balance between protection and income requirements in retirement.