Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
- 10%/yr free withdrawal
- 10 surrender years
- Medically related surrenders
- RMD waiver
- Terminal illness waiver