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The 2 Hidden Details of Income Riders: Shootin’ It Straight With Stan
A big bonus can sound appealing—but does it mean a stronger lifetime income guarantee? This episode focuses on the two details Stan says matter most when comparing income riders: the age income starts and the payout rate.    In this episode, The Annuity Man discussed:  Income riders and lifetime income Starting age and payout rates Upfront bonuses and marketing claims Comparing carriers and illustrations Contractual guarantees versus adjustable index rules   Key Takeaways:  Compare income riders by the contractual lifetime income guarantee, not by bonus size or product branding. The age when income begins can materially affect the guarantee. The payout rate is a key comparison point, even though it may receive less attention than bonuses. Comparing multiple carriers can reveal differences in how they price clients in different age ranges. Separate the income rider’s contractual guarantee from features of the underlying indexed annuity that the speaker says may be adjustable.   "Life insurance companies issue annuities. Annuities are policies. Policies are contracts." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
Fun With Annuities® - The Annuity Man Podcast
https://www.TheAnnuityMan.com
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