Compare Guaranteed Minimum Income Benefit Riders

The Guaranteed Minimum Income Benefit GMIB provisions in the table below are in our opinion the most competitive GMIB annuity riders available on the market today.

What is a GMIB?
Criteria for evaluating these annuities/riders.
You may also want to Compare Lifetime Withdrawal Benefits.
For financial strength ratings on companies below, click here.

Guaranteed Minimum Income Benefit Riders

Company & Rider Name	Why We Feature This Rider	Rider Cost	To Order a Free Information Kit
GMIB: Guaranteed Minimum Income Benefit Rider (Accumulator Series)	This GMIB, which can be applied to AXA's Accumulator series of variable annuities, has a high, 5% compounded dollar-for-dollar guarantee¹, until a relatively advanced age of 80. It also offers the ability to reset the income base on each contract anniversary. The rider permits up to 5% dollar-for-dollar annual withdrawals after the first year.	0.90%
GIB: Guaranteed Income Benefit Rider (Retirement Cornerstone Series)	This GMIB can be applied to AXA's Retirement Cornerstone series of variable annuities. The dollar-for-dollar compounded guarantee¹ is based on the 10-year Treasury + 1%, but no less than 4% or greater than 8%. And compounding lasts until a very advanced age of 95. It also offers the ability to reset the income base on each contract anniversary once every three years. The rider permits 4-8% dollar-for-dollar annual withdrawals after the first year.	0.90%
GMIB Plus: Guaranteed Minimum Income Benefit Plus Rider	MetLife Investors GMIB has a high, 5% (6% in Oregon) compounded dollar-for-dollar guarantee¹ (until annuitization), until the contract anniversary prior to the oldest contract owner's 91st birthday. It also offers the ability to reset the income base on each contract anniversary prior to the oldest contract owner's 81st birthday. The rider permits up to 5% (6% in Oregon) dollar-for-dollar annual withdrawals, available immediately.	1.00%
Guaranteed Minimum Income Benefit Plus with Annual Reset Rider	NSLA's GMIB Rider has a high, 5% compounded dollar-for-dollar guarantee during the deferral period, until the earlier of age 85 or the 24th rider anniversary. It also offers the ability to reset the income base on each contract anniversary prior to age 80. The rider permits up to 5% dollar-for-dollar annual withdrawals, available immediately. Available only in New York	0.95%
GMIB: Guaranteed Minimum Income BenefitRider	We've received lots of phone calls and e-mails about the absence of this rider form our site -- it was discontinued for new purchases by Ohio National on May 1, 2010. Ohio National has since added a Lifetime Withdrawal Benefit rider that we recommend in its place .

¹During both the deferral period and income phase
Updated 08/03/10. Reviewed 03/15/10.