From the standpoint of the consumer, the emphasis should be placed on the basic income guaranteed and not on the potential of non-guaranteed future benefits offered in the form of costly riders that may never come to fruition.
from Forbes Real Time https://www.forbes.com/sites/forbesfinancecouncil/2017/11/07/what-insurance-companies-dont-want-you-to-know-about-retirement-annuities/
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