Guaranteed Income for Life

Americans are living longer and retiring  younger, that means more time and savings will be spent in retirement. Annuity income riders are an optional living benefit that can be added to most fixed-index annuities to provide a steady income stream that you can't outlive. For more information on how an annuity can build, protect, and preserve your Retirement Income, contact us today (888) 235-8060.

Annuity Income Riders

• Great American 10% Income Sustainer
• American Equity 8% Lifetime Income Benefit
• Allianz 8% Simple Income ll 
• North American 7.5% Income Pay 
• Aviva 7.2% Income Edge Plus
• ING 7% IncomeProtector Withdrawal Benefit 
• More Annuity rates and benefits
• Eligible Retirement Plan Rollovers
• Sample iIlustration below 

Single Premium Immediate Annuity Income Rates

• Age 60 Male 7.0% - Female 6.68%
• Age 62 Male 7.29% - Female 6.89%
• Age 65 Male 7.75% - Female 7.24%

        Optional Income Plus For Life Rider 

 Income Plus For Life helps maximize your retirement assets...through lifetime withdrawals, step-ups, and deferral credits

Annual 5% lifetime withdrawals are guaranteed beginning at age 591/2,and continue for the rest of your life. If you elect Income Plus For Life-Joint Life, withdrawals equal to 4.50% will be available for both spouses' lives when the younger spouse attains age 591/2.

For illustrative purposes only. Lifetime Income Amount is based on the benefit base on the contract anniversary prior to age 591/2. This chart does not include the effect of taxes at the ordinary income tax rate, which may be incurred on withdrawals. This example is not based on any underlying Venture Annuity portfolio and does not reflect any contract or rider fees or charges.

A deferral credit can increase your benefit base by 7% in contract years when you defer taking a withdrawal. You are initially eligible for ten credits, and your credit opportunities will reload any time your benefit base steps up. Credit opportunities are available until age 95.

Get credit-higher income for waiting

 Based on a $500,000 initial investment. For illustration only. Withdrawal percentages are not cumulative from year to year. This example is not based on any underlying Venture Annuity portfolio and does not reflect any contract or rider fees or charges. Benefit base is only used to determine withdrawal amount and rider fee, and may not be withdrawn as a lump sum.

On your annual contract anniversary, if your contract value has increased, your benefit base will step up to equal the higher contract value, adjusted for additional payments and withdrawals. Step-ups are automatic, and are available until age 95. Following a step-up, your Lifetime Income Amount will increase, and will equal 5% of your higher benefit base (4.50% for Joint Life). Step-ups will also increase the value of any future credits. In an up market, the value of your step-up may exceed the value of the credit. If this occurs your benefit base will increase to the greater of the two. The annual rider fee can increase upon a step-up. If the fee increases, you may decline the step-up, and retain the previous fee and benefit base.

Lock in your gains, re-load credit opportunities

For illustration only. Not based on any specific investment. Actual performance will vary and fees will apply. Step-ups only occur when contract value on current contract anniversary exceeds previous anniversary values, including any deferral credit. Benefit base is used to determine Lifetime Income Amount and rider fee and may not be withdrawn as a lump sum. In markets with a 0% rate of return, no step-up will be given.

It is important to understand that Income Riders are  an optional benefit available with Annuity contracts and cannot be elected without purchasing the annuity contract. This benefit may not be appropriate for investors who do not foresee a need for liquidity and whose primary focus is tax deferral. Before considering this benefit, please make sure the annuity is suitable for your investment goals and personal circumstances.