{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Planned \u201cStickiness\u201d of Annuity Riders: Fun With Annuities","description":"Discover why annuity income riders are designed to keep you \u201cstuck\u201d with your carrier\u2014and why that isn\u2019t always a bad thing if you understand the contractual guarantees. This episode cuts through the sales hype to explain the real math, the \u201cmonopoly money\u201d 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 \u201cmonopoly money\u201d nature of income benefit values   How annuity companies design product \u201cstickiness\u201d   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 \u201cbenefit value\u201d 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 \u201cbetter\u201d products.   &amp;nbsp; &quot;The income rider side is monopoly money.&quot; \u2014&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\u2019s 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! ","author_name":"\u201cFun With Annuities\u201d The Annuity Man Podcast","author_url":"https:\/\/www.TheAnnuityMan.com","html":"<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>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/41940210"}