Some guaranteed income products protect against sequence of returns risk and longevity risk at the expense of wealth transfer to your heirs. For tax deferral with guaranteed income products, optional riders can provide a guaranteed return of premium death benefit. Beneficiaries receive the greater of your current account value or amount of investment less any withdrawals and taxes. Contingent deferred annuities inherit the same wealth transfer benefits as their underlining accounts. If wealth transfer is of more importance than guaranteed income, then we offer other products that may better meet your needs. Please call our retirement specialists for more information on the options for wealth transfer.