Riders

IncomeSecure

This guaranteed income rider offers income payments that can start immediately after issue (if age 55+).

IncomeSustainer Plus

This guaranteed income and death benefit rider offers a 6% rollup credit, income percentages that increase annually and payments options for beneficiaries.

Inheritance Enhancer

This guaranteed death benefit rider offers a 7% rollup and a refund of rider charges in certain circumstances.

Cumulative Free-Withdrawal Option

This rider allows clients to carry over an unused portion of their contract's annual free withdrawal percentage.  Available only with an American Custom 10 annuity.

Legacy Income Option

This rider allows clients to withdraw up to 5% of the account value for 10 years while the rider death benefit remains at the purchase payment. Available only with the American Custom 10.

Simple Income Option

This guaranteed income rider offers a 7% income credit, a 10-year income rollup period and payout percentages that increase 0.10% each year your clients wait to start income payments. Available only with the American Custom 10.

Stacked Income Option

This guaranteed income rider stacks an amount equal to 100% of the interested credited to the account value on top of a guaranteed 4% income credit during the 10-year income rollup period. Available only with the American Custom 10.

Income Keeper

This guaranteed income rider stacks an amount equal to 100% of the interest credited to the account value on top of a guaranteed 2% income credit during the 10-year income rollup period. Available only with the Index Protector 7.