| Company |
Option 1:
Highest Value Guarantee:
Upon death,
your beneficiary is
guaranteed the
greater of your
account value or... |
Option 2:
Guaranteed Rate:
Upon death,
your beneficiary is
guaranteed the
greater of your
account value or... |
Option 3:
Highest Value Guarantee:
Upon death,
your beneficiary is
guaranteed the
greater of your
account value or... |
To Order a Free Information Kit |
Death Benefit Rider
Details |
Highest value on any contract anniversary, with no cap, to contract anniversary following 85th birthday |
Greater of 5% roll-up up to contract anniversary following 85th birthday, or annual ratchet up to contract anniversary following 85th birthday. Plus, annual resets up to contract anniversary following 80th birthday.
A 6% roll-up may be available in some states - contact Annuity FYI for more information. |
25-40% of the earnings of the contract, or any of the benefit bases, capped at 50-100% of purchase payments or $1 million |
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Enhanced Death Benefit
Details |
Highest value on any contract anniversary, prior to age 81 |
5% roll-up to contract anniversary immediately prior to age 91.
A 6% roll-up may still be available in some states through some financial advisors -- contact Annuity FYI to see if this higher roll-up maybe available to you. |
Age 69 and younger: 40% of contract earnings
Age 70-79: 25% of contract earnings |
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Enhanced Death Benefit Rider |
Annual ratchet to age 85 (highest anniversary value on any previous contract anniversary) |
Greater of 5% roll-up to age 85, or annual ratchet to age 85. Plus, annual resets to age 80. |
40% of the earnings of the contract capped at age 80 |
|
ING
Golden Select
Death Benefit Rider |
Highest value on any previous annual contract anniversary, with no cap, to age 90 |
7% guaranteed rate
Capped at 250% of premium or to age 80 |
If age 69 and younger, 55% of the earnings of the contract
If age 70-75, 30% of the earnings of the contract Capped at 150% of premium |
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Jackson National Life
Death Benefit Rider |
Highest account value on any previous quarterly contract anniversary, with no cap |
5-6% guaranteed rate, with a step-up on the 7th year. After year 7, 5% growth on the stepped-up amount until age 81 |
40% of the earnings of the contract up to age 70, 25% of the contract from ages 70-75 capped at 250% of premium |
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