The problem lies in Guarantee\per year.
As I understand the premise of a VB, There IS a built in Guarantee, and what that Guarantee Level is would depend upon what We negotiate. What level of Investment Risk We collectively decide we could tolerate. Minimal Risk could likely equate to a Guarantee near or At the 130k, but that would mean minimal Reward above the 130k level as well.
And Anyone with even a resemblance of fiduciary duty will pretty much never use the word Guarantee anywhere near any Investment...and I would recommend Running, not Walking, from any Advisor that Does Guarantee a return.
I can Guarantee that Stocks historically return better than Bonds and better than Cash, but there have been periods of time where the Reverse is true as well.
But I know where I want to place my Chips