1 rich Libsyn https://www.libsyn.com 90 600 Discover why annuity income riders are designed to keep you “stuck” with your carrier—and why that isn’t always a bad thing if you understand the contractual guarantees. This episode cuts through the sales hype to explain the real math, the “monopoly money” side of riders, and how to decide whether to stay or move your annuity. &amp;nbsp;&amp;nbsp; In this episode, The Annuity Man discussed:&amp;nbsp; Four primary ways to guarantee lifetime income Income riders vs. indexed annuity accumulation value The “monopoly money” nature of income benefit values How annuity companies design product “stickiness” When you should stay put and just turn on the income &amp;nbsp; Key Takeaways:&amp;nbsp; Lifetime income planning should be grounded in contractual guarantees, not hypothetical projections or sales-driven illustrations. Income riders often produce a higher “benefit value” than the actual cash value, creating a deliberate disparity that makes annuities hard to leave. The income rider value is typically not transferable, cashable, or available for partial withdrawals; its main purpose is to price and pay a lifetime income stream. Because rider fees are taken from the real money side for the life of the policy, carriers are heavily incentivized to keep policyholders from moving their contracts. In many situations, the most rational move is to stay with the current annuity and simply turn on the income stream, rather than chasing bonuses or “better” products. &amp;nbsp; &quot;The income rider side is monopoly money.&quot; —&amp;nbsp; Stan The Annuity Man &amp;nbsp; Connect with The Annuity Man:&amp;nbsp; Website: http://theannuityman.com/&amp;nbsp; Email: Stan@TheAnnuityMan.com&amp;nbsp; Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g&amp;nbsp; Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! “Fun With Annuities” The Annuity Man Podcast https://www.TheAnnuityMan.com <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/41940210/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/41940210