Why Income Riders Matter: Two Critical Retirement Risks

Income riders address two of the most significant risks retirees face, and they do so in a way that creates genuine peace of mind.

TWO CORE RISKS

Longevity and Market Risk

Longevity risk: The possibility of living longer than expected and exhausting savings. A 65-year-old today has a meaningful chance of reaching 95 or beyond. With a 30-year retirement, portfolio-based strategies can be uncomfortable. Income riders guarantee money flows regardless of lifespan.

Market risk: Portfolio declines that reduce retirement income. With income guaranteed by an insurer rather than dependent on investment returns, clients can handle market volatility without panic. They know their essential income is secure.