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Home > Death Benefit Annuities

Compare Death Benefit Annuity Riders

The variable annuities compared by death benefit provision in the table below are what we believe to be the most competitive annuity riders available on the market today.

What is a death benefit?
Criteria for evaluating these annuities/riders.
For financial strength ratings on companies below, click here.

Death Benefits

Company	Option 1: Highest Value Guarantee: Upon death, your beneficiary is guaranteed the greater of your account value or...	Option 2: Guaranteed Rate: Upon death, your beneficiary is guaranteed the greater of your account value or...	Option 3: Highest Value Guarantee: Upon death, your beneficiary is guaranteed the greater of your account value or...	To Order a Free Information Kit
Death Benefit Rider Details	Highest value on any contract anniversary, with no cap, to age 85	Greater of 6% roll-up to age 85, or annual ratchet to age 85. Plus, annual resets to the greater of age 74, or 5 years	25-40% of the earnings of the contract, or any of the benefit bases, capped at 50-100% of purchase payments or $1 million
Enhanced Death Benefit Details	Highest value on any contract anniversary, to age 81	6% roll-up to contract anniversary immediately prior to age 91.	Age 69 and younger--40% of contract earnings Age 70-79--25% of contract earnings
Enhanced Death Benefit Rider	Annual ratchet to age 85 (highest anniversary value on any previous contract anniversary)	Greater of 6% roll-up to age 85, or annual ratchet to age 85. Plus, annual resets to age 75	40% of the earnings of the contract capped at age 80
GWBL Enhanced Death Benefit Rider (Must be purchased IN ADDITION TO AXA Guaranteed Withdrawal Benefit for Life rider)	Annual ratchet for life (highest anniversary value on any previous contract anniversary)	7% deferral bonus off any reset, up to age 95. At age 95, maximum allowable withdrawals must begin.	200% GWBL Initial Base Guarantee after no withdrawals for 10 years.
ING Golden Select Death Benefit Rider	Highest value on any previous quarterly contract anniversary, with no cap, to age 90	7% guaranteed rate Capped at 250% of premium to age 80	If age 69 and younger, 55% of the earnings of the contract If age 70-75, 30% of the earnings of the contract Capped at 150% of premium
Jackson National Life Death Benefit Rider	Highest account value on any previous annual contract anniversary, with no cap	5% guaranteed rate with a step-up on the 7th year. After year 7, 5% growth on the stepped-up amount until age 81	40% of the earnings of the contract, capped at 250% of premium

Updated 07/29/08. Reviewed 06/23/08.