| Company & Rider Name |
Why We Feature This Rider |
Rider Cost |
To Order a Free Information Kit |
Annuity FYI Pick
Guaranteed Minimum Income Benefit Plus with Annual Reset
(rider) |
Ohio National's GMIB Rider has a high, 6% compounded dollar-for-dollar guarantee during both the deferral period and income phase (until annuitization), until a relatively advanced age of 85.
It also offers the ability to reset the income base on each contract anniversary up to age 81.
The rider permits up to 6% dollar-for-dollar annual withdrawals, available immediately
|
0.70% (As of 01/05/09, cost is TBD) |
 |
 GMIB: Guaranteed Minimum Income Benefit
(Rider) |
AXA's GMIB has a high, 6.5% compounded dollar-for-dollar guarantee during both the deferral period and income phase, until a relatively advanced age of 85.
It also offers the ability to reset the income base on each contract anniversary prior to age 76.
The rider permits up to 6% dollar-for-dollar annual withdrawals. |
0.80% |
|
 GMIB Plus: Guaranteed Minimum Income Benefit Plus
(Rider) |
MetLife Investors GMIB has a high, 6% compounded dollar-for-dollar guarantee during both the deferral period and income phase (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 6% dollar-for-dollar annual withdrawals, available immediately.
Details |
0.80% |
|
Jackson National Life
FutureGuard6
(Rider) |
Jackson National Life's GMIB has a high, 6% compounded
dollar-for-dollar guarantee during both the deferral
period and income phase (until annuitization), until the age of 80.
It also offers the ability to reset the income base
on each contract anniversary prior to age 76.
The rider permits up to 6% dollar-for-dollar annual
withdrawals, available immediately.
There are a few other features of this rider that we
like: a) the fee on this product is guaranteed --
Jackson National Life cannot increase it once you
invest; b) Jackson has low annuitization factors;
c) performance of the subaccounts has been historically
very good -- see our investment strategies section for details. |
0.80% |
|
ING
Minimum Guaranteed Income Benefit(Rider)
Issued by ING USA Annuity and Life Insurance Company and distributed by Directed Services, Inc.
Death Benefit Rider |
ING's GMIB has a high, 7% compounded pro rata guarantee during the deferal period, although only until age 80 or 250% of premium.
ING does not offer an annual reset for the income base, but they do have a quarterly ratchet for annuitization purposes. |
0.75% |
|
Guaranteed Minimum Income Benefit Plus with Annual Reset
(Rider) |
NSLA's GMIB Rider has a high, 5.5% compounded dollar-for-dollar guarantee during the deferral period, until the earlier of age 85 or the 24th rider anniversary.
It also offers the ability to reset the income base on each contract anniversary prior to age 75 or the fifth rider anniversary, if later, to preserve gains.
The rider permits up to 6% dollar-for-dollar annual
withdrawals, available immediately.
Available only in New York |
0.65% |
|
