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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