Guaranteed Withdrawal Benefits have changed the landscape for traditional accumulation annuities, both fixed and variable, over the last decade. With new riders for guaranteed income being built every day, it has become a veritable jungle of benefit roll-ups, withdrawal rates, and bonus options. Simple interest? Compound interest? Fees on the benefit base? Fees on the account balance? Absent an illustration for every possible scenario, how is an advisor to choose the appropriate financial product that most closely tracks the client's needs with confidence?
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