A wide range of features and assurance have been implemented by insurance companies
in order to make their annuity products an excellent tool to be used for retirement planning. These consist of death benefit riders and guaranteed income riders, spare credit options, account security, spousal extension reimbursement, condensed surrender charges just to name a few. Every aspect or advantage supplementary to an annuity will usually be available for an extra fee, either openly which is allocated to customers or factored in to the performance of the funds.