Yep, this looks like a lead generation service for "financial advisors".
I tried the calculator. It suggested that I would be money ahead by buying an annuity. It suggested that I spend $280,000 out of my $500,000 assets. If I did this, and started payments at 82, I could get annual payments of $117,300, which represents a gain
$883,000 (according to their numbers).
This benefit is calculated by multiplying the estimated yearly income that your annuity investment could purchase at your retirement age by the number of years between your retirement age and ten years past your life expectancy -- less the cost of the annuity.
If I understand that, they are saying that between 82 and 92 I'd collect $1,173,000 in monthly payments. That would cover my $280,000 premium and leave me with a "profit" of $893,000 (numbers are rounded somewhat).
Okay, a deferred, zero-cash value annuity is potentially a good retirement planning tool. But, the math they did is grossly misleading.