We’ve done the research for you. The variable annuities compared by lifetime income benefit provision in the table below are what we believe to be the most competitive annuity riders available on the market today. Call Annuity FYI to speak with an Expert about your specific needs – 1- 866-223-2121

ANNUITY FYI’S TOP LIFETIME WITHDRAWAL BENEFIT (LWB) ANNUITY RIDER PICKS
Company & Name of LIB Rider Why We Feature This Rider Annual Cost (single/joint) To Order a Free Information Kit

HDi
(Rider)

This LIB rider offers a fairly standard 2.5-6%2 annual withdrawal for life, and withdrawals can be based on the greater of a fairly standard 5% daily compounded growth and automatic step-ups.
We like that the automatic step-ups can occur daily if daily gains exceed 5% annualized (most riders step up annually).
1.00%
1.10%
1-866-223-2121

GLWB
(Rider)

This LIB rider offers 5% annual withdrawal for life (4.5% for joint life), and withdrawals can be based on the greater of the initial premium, or highest annual account value.
We feature this rider for several reasons. First, this is a basic low-cost rider that we still find competitive. Additionally, the 5% lifetime withdrawals are not based on age, and can begin anytime after age 59 1/2 (most riders have lower rates for younger ages).
0.65%
0.75%
1-866-223-2121

Retirement Income Choice(Rider)

Transamerica’s LIB rider offers a fairly standard 3.5-6%2 annual withdrawal for life, and withdrawals can be based on the greater of a fairly standard 5% annual compounded growth for the 1st 10 contract years1or automatic monthly step-ups for life.There are two unique features of this LIB rider that we like. First, the automatic step-ups can occur monthly and are for life (most riders step up up annually). Second, for an additional rider fee, the withdrawal percentage doubles if annuitant or spouse is in a hospital or nursing facility for more than 180 days (restrictions apply — see the prospectus or contact an Annuity FYI Expert).c2a-ai 0.7%-1.45%
depending on asset allocation model
1-866-223-2121

Lifetime Income Advantage
Protected Funds
(Rider)

This LIB rider offers a fairly competitive 4% – 5%2 annual withdrawal for life. Withdrawals are based on 5% annual growth on the rider base for each of the 1st 10 contract years with no withdrawals.We feature this rider for several reasons. If you step-up to a higher anniversary value, the 5% annual growth opportunity resets for another 10 years (most LIB riders only grow for 10 years) and will then be based on the new, higher stepped-up amount. Additionally, in some states this rider has an optional Nursing Home Income Enhancement at no extra cost, which allows you to double your withdrawal rate during a benefit year when the contract holder is admitted into a nursing home (restrictions apply — see the prospectus or contant an Annuity FYI Expert). 1.05%
1.25%
1-866-223-2121

LifeGuard Freedom Flex
(Rider)

This LIB rider offers a fairly standard 3.75-5.75%2 annual withdrawal for life.There are two unique features of this rider. First, withdrawals are based on the greater of 5-7% annual growth for the 1st 10 contract years1or the highest contract anniversary value — you can choose the growth % (fees vary based on which option you choose). Second, if you step up to a higher anniversary value, the annual growth opportunity restarts for another 10 years. single1.00% for 5%

1.10% for 6%

1.25% for 7%

joint

1.35% for 5%

1.45% for 6%

1.60% for 7%

1-866-223-2121

Lifetime Income Rider
(Rider)

Nationwide’s LIB rider offers a fairly standard 3%-6%2 annual withdrawal for life.We like that withdrawals are based on the greater of a high, 7% annual simple interest growth for the 1st 10 contract years1, or the highest contract anniversary value. single
1.20%
1.50%
1-866-223-2121

Core Income Advantage 4/5
(Rider)

This rider offers a choice between a fairly standard 4 or 5% annual withdrawal for life starting at age 59 1/2. Withdrawals can be based on the highest contract anniversary value.While there is no guaranteed compounding, we like that this rider is offered at a very low cost.c2a-ai single
0.35%
0.55%
1-866-223-2121

Guaranteed Lifetime Withdrawal Benefit Plus
(Rider)

Ohio National’s GLWB Plus Riders offer a highly competitive 3.75% – 7%2 annual withdrawal for life. Withdrawals are based on 6% annual simple interest growth on the rider base for each of the 1st 10 contract years with no withdrawal, or the highest contract anniversary value.We feature this rider for several reasons. It offers competitive lifetime withdrawals, and if you step-up to a higher anniversary value, the 6% annual growth opportunity restarts for another 10 years (most LIB riders only grow for 10 years) and will then be based on the new, higher stepped-up amount. As a result, your withdrawal base could be significantly higher than with other riders with higher rates, but guaranteed for only 10 years.4 And finally, the rider utilizes an asset allocation strategy called Managed Volatility Portfolios designed to protect against market swings and produce more consistent returns over time. single
1.05%
1.35%
1-866-223-2121

SecurePay 5
(Rider)

This LIB rider offers a fairly competitive 4.50% – 5%2 annual withdrawal for life. Withdrawals are based on 5% annual growth on the rider base for each of the 1st 10 contract years with no withdrawals.

We feature this rider for several reasons. This rider offers 5% annual withdrawals for life starting at the age of 59.5 (most LIB riders don�t offer this withdrawal amount until a more advanced age, usually around 65). Additionally, in some states this rider features an optional Nursing Home Income Enhancement that allows you to double your withdrawal rate during a benefit year when the contract holder is confined to a nursing home for 90 consecutive days (restrictions apply � see the prospectus or contact an Annuity FYI Expert).

single
1.05%
1.35%
1-866-223-2121

GLWB 2
(Rider)

This LIB rider offers a fairly competitive 3.50%-6%2 annual withdrawal for life. Withdrawals are based on 5% annual growth, provided that no withdrawals are taken in the first 10 contract years, or the highest contract anniversary value.Many investors are attracted to this rider because it can be paired with Ameritas’ no load annuity. single
1.25%
1.50%
1-866-223-2121

Income Builder
(Rider)

This LIB rider offers a fairly standard 3.25% – 5.25% annual withdrawal for life2. Withdrawals are based on 6% annual simple interest growth on the rider base for each of the first 12 years.We like that this rider guarantees a very competitive 6% annual simple interest growth on the rider base. Additionally, we like that SunAmerica guarantees an Income Base of at least 200% of first year investments, provided that no withdrawals are made with in the first 12 contract years. single
1.10%
1.35%
1-866-223-2121

Income Plus 6
(Rider)

This LIB rider offers a fairly competitive 3.00%-6.50%2 annual withdrawal for life. Withdrawals are based on 6% annual simple growth on the rider base for each of the 1st 12 contract years with no withdrawal, or the highest contract anniversary value.This rider is unique for several reasons. First, SunAmerica guarantees an Income Base of at least 200% of first year investments, provided that no withdrawals are made within the first 12 contract years. Second, if you make a withdrawal of less than 6% during the first 12 years, SunAmerica will still give you the difference toward your guaranteed annual simple growth. Third, you can pick one of three income options that allow you to determine your own withdrawal rate once the rider is activated. Finally, the rider utilizes a unique asset allocation strategy in which the annuitant determines the level of exposure to the market. single
1.10%
1.35%
1-866-223-2121

1or first withdrawal
2percentage depends on the age at which you take withdrawals — contact Annuity FYI for age bands
3or the account value, if greater
4the GLWB Base is not available as a cash option and is used solely for the purpose of calculating GLWB payments. It does not provide a contract value or guarantee performance of any investment option.

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