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Home > Guaranteed Minimum Income Benefit Riders
We've done the research for you. 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.
MetLife Investors GMIB Max has a high, 4% 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 4% dollar-for-dollar annual withdrawals.
This GMIB, which can be applied to AXA's Accumulator series of variable annuities, offers up to a high, 5% compounded dollar-for-dollar guarantee1, until a relatively advanced age of 85.
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.
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%-2%, but no less than 4% or greater than 8%. And if no withdrawals are taken in the first two years, they will set a minimum 6% compounded guarantee. And compounding lasts until a very advanced age of 95.
The rider permits 4-8% dollar-for-dollar annual withdrawals after the first year.
1During both the deferral period and income phase
Updated 03/20/14. Reviewed 03/20/14.