Comparing Income Annuities: Deferred vs Indexed With a Rider
Update: 2025-06-20
Description
If you're deciding between a Deferred Income Annuity (DIA) and a Fixed Indexed Annuity (FIA) with an income rider, this episode will give you the facts you need to make a smart choice.
I walk through:
The key differences in how each annuity works
What you give up in a no-fee option—and what you gain with a fee
How the death benefits compare
Real-world income examples that show just how big the gap can be
We also talk about liquidity, long-term care benefits, and how to decide which one fits your goals.
If you’re building your retirement income plan, this side-by-side breakdown will help you see what’s really on the table.
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