The income payout of many deferred annuity products in the market is usually divided into two parts, namely “guaranteed” and “non-guaranteed”. “Non-guaranteed” return is often affected by other factors such as the investment return, claims and profits of the insurance company. In an extreme case, the “non-guaranteed” return could be zero. On the other hand, the annuity income payout of eIncomePro Deferred Annuity Plan (100% Guaranteed) is 100% guaranteed, without any “non-guaranteed” part.