No-load single premium deferred annuities on the RetireOne platform allow RIAs to potentially create lifetime income streams for clients who need to make future income plans. During the accumulation phase, prior to taking income, investors may take advantage of guaranteed minimum interest rates, and tax-deferred growth. Many SPDAs also offer the flexibility to access up to 10% of the total account balance without penalty (though withdrawals prior to age 59½ may incure a 10% penalty from the IRS).
|wdt_ID||Insurance Company||Product||Solution Type||Return of Premium Death Benefit||Investment Options/Crediting Methods||Fund Families||Fixed Account Availability||Ultra Low-Cost Funds||Surrender Penalty||Lifetime Income Benefit||Penalty Free Withdrawals||Systematic Withdrawals||Dollar-Cost Averaging|
|wdt_ID||Insurance Company||Product||Solution Type||M&E Charge||Admin Charge||Return of Premium Death Benefit Fee||Annual Contract Maintenance Fee||Portfolio Expense Range (a)||Average Portfolio Expense (a)||Surrender Charge Schedule||Penalty Free %|
|wdt_ID||Insurance Company||Product||Solution Type||Availability||Minimum Initial Investment||Maximum Issue Age||Max Total Contributions w/o Approval|
|wdt_ID||Insurance Company||Product||Solution Type||New York Prospectus||Benefits/Optional Rider Info||Optional Rider 2||Optional Rider 3||Prospectus||Client Brochure||Learn More||Investment Options||Performance||Rates|