| Company & Name of Rider |
Why We Feature This Rider |
Annual Cost |
To Order a Free Information Kit |
LifeGuard Freedom Flex DB |
This rider must be elected in conjunction with the LifeGuard Freedom Flex lifetime income rider. It offers a return of premium death benefit, with a one-time step up opportunity on the 7th contract anniversary.
We like this rider because the death benefit is not reduced by allowable withdrawals. For example, suppose you invest $100,000 and take 5% withdrawals a year for 10 years -- $50,000 total. Your death benefit is still $100,000 as long as the contract value does not fall to zero.
|
0.70% |
 |
Combination Death Benefit |
This rider pays the greater of the account value, the highest quarterly anniversary value up to age 80, or a 5% roll-up until age 80.
We like this rider because it offers numerous options for payouts. Additionally, Jackson offers an optional earnings enhancement benefit, which gives your beneficiaries the contract value plus up to 40% of earnings.
|
0.90% |
|
Enhanced Death Benefit Max IV |
This rider pays the greater of the account value, the highest anniversary value up to age 80, or a 4% roll-up until age 90.
We like that the benefit base grows until age 90, where as most others stop growing by age 80. Additionally, withdrawals only reduce the benefit base on a dollar-for-dollar basis. |
0.60%-1.15% |
|
HAV Death Benefit
(Accumulator Series)
|
This rider pays the greater of the account value, or the highest contract anniversary value up to age 85.
We like this rider because it provides basic death benefit provisions at a very low fee. Also, it offers an optional earnings enhancement benefit, which gives your beneficiaries the contract value plus up to 40% of earnings (EEB must be elected with AXA GMIB I or II).
|
0.35% |
|
"Greater of" Death Benefit
(Accumulator Series)
|
This rider pays the greater of the account value, the highest anniversary value up to age 85, or a 5% roll-up to age 85.
We like that the benefit base grows until age 85, where as most others stop growing by age 80. Additionally, AXA offers an optional earnings enhancement benefit, which gives your beneficiaries the contract value plus up to 40% of earnings (EEB must be elected with AXA GMIB I or II).
|
1.15% |
|
Guaranteed Death Benefit Rider
(Retirement Cornerstone Series)
|
This rider pays the greater of your account value, the highest anniversary value up to age 85, or a roll-up to age 85.
This rider is unique because the roll-up rate is based on the 10-year Treasury Rate +1.00-2.00%, (the minimum roll-up rate will never be less than 4% or more than 8%).
|
1.15% |
|
Death Benefit Rider
(All American Gold Series 2.0)
|
This rider pays the greater of the contract value, the sum of purchase payments less any withdrawals, the highest anniversary value until age 80, or a 5% roll-up until age 80.
We like this rider because it is low cost, yet still offers numerous options for payouts. Additionally, Nationwide offers an optional Beneficiary Protector II, which gives your beneficiaries the contract value plus up to an additional 40% of contract earnings.
|
0.45% |
|
HAV Death Benefit Rider |
This rider pays the highest contract anniversary value up to age 82.
We like this rider because it provides basic death benefit provisions for a very low fee.
|
0.25% |
|
Return of Premium Death Benefit Rider |
This rider pays the greater of the contract value or adjusted purchase payments.
We like this rider because it provides very basic death benefit provisions for an extremely low fee. Additionally, it offers an optional earnings enhancement benefit, which gives your beneficiaries the contract value plus up to 40% of earnings.
|
0.05% |
|
