Should You Consider a Lifetime Income Rider on Your Annuity?
One of the most powerful features available on modern annuities is the lifetime income rider. This optional benefit turns your annuity into a personal pension—guaranteeing monthly income for the rest of your life, even if your account value goes to zero. For retirees who worry about running out of money, it offers unmatched peace of mind.
With a lifetime income rider, your annuity’s income base grows at a fixed rate (or through bonuses), and when you’re ready, you can “turn on” income that continues as long as you live. Some riders also include spousal benefits, inflation adjustments, or enhanced payouts for long-term care needs. Importantly, you maintain control of your contract’s cash value—giving you access to the account even after starting income.
This strategy is especially appealing to those without a traditional pension. It can help fill the income gap left by Social Security and give you greater confidence in spending during retirement.
At Diversified Insurance Brokers, we help you evaluate annuities with and without income riders to see what aligns best with your income goals, risk tolerance, and retirement plan.
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Want to explore how a lifetime income rider can secure your future?
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