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Retirement Income Max®
Securing your clients' retirement income has never been more crucial. Retirement Income Max® can guarantee a steady, reliable income stream for life, even if their policy value reaches zero. With a higher withdrawal rate, this strategy is designed for clients who need to maximize their retirement income now.
Our groundbreaking MonthiversarySM feature locks in investment gains when the markets perform well, and our guaranteed growth allows your clients' income to grow even when markets underperform. Working together, these two features offer growth-on-growth potential, regardless of what happens in the markets.
All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurance company.
Certain conditions and limitations apply.
All policies, riders, and forms may vary by state, and may not be available in all states.
ICC12 RGMB410513(IS), ICC12 RGMB410513(IJ), RGMB 41 0111 (IS) (FL), RGMB 41 0111 (IJ) (FL), RGMB 41 0514R (IS)(NY), RGMB 41 0514R (IJ)(NY)
If you elect the Retirement Income Max Rider, the Company requires your policy value to be allocated into designated investment options, which may include a volatility control strategy. Volatility control strategies, in periods of high market volatility, could limit your participation in market gains; this may conflict with your investment objectives by limiting your ability to maximize potential growth of your policy value and, in turn, the value of any guaranteed benefit that is tied to investment performance. Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market downturns during periods of high market volatility, providing policy owners with the opportunity for smoother performance and better risk adjusted returns. You pay an additional fee for the rider benefits which, in part, pay for protecting the rider benefit base from investment losses. Since the rider benefit base does not decrease as a result of investment losses, volatility control strategies might not provide meaningful additional benefit to you. If you determine that funds with volatility control strategies are not consistent with your investment objectives, there continues to be other designated investment options available under the Retirement Income Max Riders that do not invest in funds that utilize volatility control strategies.
Learn more about variable annuities
How do variable annuities work? How can they help your retirement plan? Get the answers to these questions and more.