What Does an Annuity Protect an Annuitant Against? What problem is an annuity really solving for the annuitant? This video breaks down the core protections: guarding against outliving your savings, smoothing out market volatility, and turning a lump sum into predictable income you can’t outlive. We’ll show how lifetime income riders and payout options protect the annuitant from longevity risk and sequence-of-returns risk, while optional death benefits and riders can help protect a spouse or heir
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