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market gains each year, usually up to age 81, and guarantees at
least that amount to the beneficiary or beneficiaries.
Mutual Fund Subaccounts
Reward
Risk
Insurance Company
Summary
► Variable annuities provide guarantees to investors to protect
retirement income, or to protect the investor’s beneficiaries.
► Living benefits guarantee that a certain amount of income
to the investor, either for a specified period of time or for life.
► Death benefits guarantee a certain amount of money will
go to the investor’s beneficiaries upon the contract-holder’s
death.
Chapter 4: Annuities
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