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Users Comments:

Here are comments from listeners:

This is the first time I've seen an apples-to-apples comparison between a VA with income rider and FIA with income rider comparison that was without obvious bias.

I learned more about "living benefits" and the mechanics of them. I learned about the 'cumulative income" & "the benefit base as well as how the payout percentages work. I also learned when living benefits should & shouldn't be used.

loved the actual withdrawal examples - great presentation!

Really appreciated the thorough breakdown of what living benefit riders are and how they work. Found the info on what constitutes an "excess withdrawal" interesting.

Good explanations of how living benefits are calculated and terms; helpful contrast between fixed index annuities and "variable" annuities.

The excessive withdrawals info was new info for me and to learn that it can eliminate or greatly harm the GLWB for annuity was super helpful.