I understand you can't mention exact products. My response was theThere are several very good companies, companies that have been around since
the 1860s that offer VAs with living benefit riders that do indeed offer
guaranteed growth of the protected income base at 5% and 6%.
surprise I had when I read that for a 2%/yr fee the client gets to clip
all negative year returns. This makes no sense to me. 2008 was -37%. The
company issuing would not profit by taking 2%/yr to absorb this kind of
The income streams you mentioned make sense, as they seem coser to
immediate annuity rates. It's Kastna's original numbers I really question.