Get a Quote »There are three types of deferred annuities for investors to choose from in order of least risk: fixed, fixed-indexed, and variable. Variable accounts are the most risky as they are directly tied to the ups and downs of the overall stock market.
In an attempt to lessen the risk of investment loss associated with variable annuities, many insurance companies now offer guaranteed death benefit and/or a living income benefit riders. It is important to understand how these riders can affect future account values and withdraw options.
Guaranteed Variable Annuity Death Benefit
Death benefits were the norm in most annuity contracts over the last decade or so. A