In a world where the income rider is king, I challenge you, the advisor, to look at real returns once in awhile. Many of the carriers with the best income riders have indexed accounts that will return next to nothing for the client. An income rider that guarantees 5, 6, 7 or even 8% is fantastic, but if the FIA it’s attached to is only going to return 1 or 2% then we may be doing our client a disservice. Not all FIAs are created equal. Call me to see how the annuity you are selling stacks up to the one below. This illustration is looking at every possible day over the last 40 years.