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“Fun With Annuities” The Annuity Man Podcast

Jan 26, 2021

In this episode, The Annuity Man discusses: 

  • What an income rider is (and it isn’t an annuity). 
  • The income rider versus the accumulated value side of the calculation table.
  • The flexible nature of income riders. 
  • Taking the annuity payments when you need the income and transferring the risk.


Key Takeaways: 

  • An income rider is an attachment to a contractual agreement, not an agreement itself. 
  • Deferred income annuities and income riders solve for income later, which is income down the road. The difference is just how they contractually get there. 
  • Upfront bonuses are not giveaways, they are part of the contractual guarantee - anything that seems too good to be true is.
  • Interest rates play a secondary role - life expectancy drives the pricing train. Nobody knows where the interest rates will go. 


"An income rider is a lifetime pension that is flexible." —  Stan The Annuity Man 


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