| Company & Name of LWB Rider |
Maximum Annual Withdrawal Amount |
Guaranteed Withdrawals Based on Greater of |
Annual Cost (single/joint) |
To Order a Free Information Kit |
Annuity FYI Pick! 
HD Lifetime 7 (Rider)
Details |
5-8% depending on age, for life
Minimum issue age: 55 single 59 1/2 joint |
7% daily compounded growth with daily automatic resets if daily gains exceed 7% annualized 1
or
Account value at first withdrawal |
0.60% /0.75% |
 |
Guaranteed Withdrawal Benefit for Life (Rider) |
4-7% depending on age, for life |
5% annual compounded growth1
or
Highest anniversary value1
or
Account value1 |
0.60% / 0.75% |
|
Lifetime Plus II (Rider) |
4-7% depending on age, for life |
5% annual growth3
or
Doubling of purchase payments if no withdrawals taken for 10 years (Enhanced 10-year value)
or
Quarterly reset locking in gains4, annual reset locking in 5% annual growth and Enhanced 10-year value5
or
Account value |
0.80% / 0.95% |
|
Growth & Guaranteed Income(annuity -- not a rider) |
4.5-7% for life, depending on age and single vs. joint |
Annual anniversary value through age 85 |
1.10% / 1.25% |
|
Lifetime Income Plus (LIP) (Rider) |
3.5-7% depending on age, for life |
Withdrawal base
or
6% annual roll-up until later of 10-year anniversary of contract issue date, or 65th birthday of oldest annuitant
or
Highest contact anniversary value |
0.75% / 0.85% |
|
ING
LifePay Plus (Rider) |
5% for life |
7% annual compounded growth1
or
Highest quarterly ratchet1
or
Account value at first withdrawal |
0.55% /0.80% |
|
Jackson National Life LifeGuard Ascent (Rider) |
4-7% depending on age, for life |
Highest anniversary value prior to 1st withdrawal
Automatic annual resets for 10 years, elective annual
step-ups thereafter
After withdrawals begin, withdrawal % can increase
when owner enters new age band and contract value
exceeds the previous benefit baseline on any contract
anniversary |
0.95% / 1.15% |
|
Income Plus for Life (Rider) |
5% single
4.75% joint |
7% bonuses increase the benefit base in years when no withdrawals are taken 1 prior to age 95
or
annual anniversary value through age 95
or
200% of your initial investment if you do not take a withdrawal until the later of 10 years from issue or age 70. |
0.60% / 0.60% |
|
Lifetime Withdrawal Guarantee (Rider) |
5% |
5% annual compounded growth1
or
Highest anniversary value1
or
Account value at 10 years or first withdrawal, whichever comes first |
0.50% / 0.70% |
|
Flexible Lifetime Income (Rider) |
5% for 20 years if income begins prior to 59 1/2. 5% lifetime withdrawals if income starts after 59 1/2 |
6% annual simple growth1
or
Annual step-up on contract anniversary |
0.65% / 0.85% |
|
Lifetime Five (Rider) |
5% for life or 7% for at least 14.2 years
Minimum issue age: 45 |
5% annual compounded growth1
or
Highest anniversary value1
or
Account value at first withdrawal |
0.60% /0.75% |
|
Transamerica
Retirement Income Choice (Rider)Neither AFSG Securities Corporation nor its affiliates, including Transamerica Life Insurance Company, sponsors or is in any way affiliated with Annuity FYI |
5% to 7% depending on age, for life
For an additional rider fee, the withdrawal % doubles if annuitant or spouse is in a hospital or nursing facility for > 180 days (restrictions apply) |
5% annual compounded growth1
or
Automatic step-ups on each rider anniversary to the greater of the account value, Withdrawal Base, or highest rider month anniversary. |
0.60% / 0.90% |
|
