Abstract: Calculation of rider charges to form a basis for a guaranty to ensure guaranteed long-life benefit (GLLB) payments is made possible by using calculator machinery to analyze interest rates, mortality, expenses, and capital/reserves. These payments are a separate income stream from a pledged asset, which may be withdrawn anytime by a guarantee. Mathematical calculation is provided to reduce the guaranteed long-life benefit (GLLB) payments if not all of the rider charges are paid by the guarantee. For those rider charges that are paid using qualified funds, calculation for required minimum distribution is also possible.