We’ve done the research for you. The variable annuities compared by death benefit provision in the table below are what we believe to be the most competitive death benefit annuity riders available on the market today. Contact Annuity FYI to request more information about death benefits.

ANNUITY FYI’S TOP DEATH BENEFIT PICKS
Company & Name of Benefit (“Rider”) Why We Feature This Rider Annual Cost To Order a Free Information Kit
metlife

Enhanced Death Benefit Max V

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% 1-866-223-2121
axa_equitable

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% 1-866-223-2121
axa_equitable

“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% 1-866-223-2121
axa_equitable

“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% 1-866-223-2121
Logo_Nationwide

“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.

0.40% 1-866-223-2121
sunamerica

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% 1-866-223-2121
lincoln

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% 1-866-223-2121

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