Leveraging Guaranteed Lifetime Withdrawal Benefit Riders in a Volatile Market

​In today’s unpredictable market, insurance agents specializing in annuities have a unique opportunity to provide clients with a powerful solution: Guaranteed Lifetime Withdrawal Benefit (GLWB) Riders, also known as Lifetime Income Riders. These riders not only offer guaranteed income but also provide higher payout potential than traditional investment strategies—without the risk of market downturns. 

​Why Lifetime Income Riders Can Outperform the 4% Rule 

For years, financial advisors have relied on the 4% withdrawal rule, a strategy that assumes retirees can safely withdraw 4% of their portfolio annually without running out of money. However, in a volatile market, this rule is shaky at best. Market declines can quickly deplete a retiree’s assets, forcing them to either reduce withdrawals or risk outliving their savings. 

With annuities featuring Lifetime Income Riders, your clients don’t have to gamble on market performance. Instead, they receive contractually guaranteed income for life, regardless of economic conditions. Unlike traditional investments that require clients to self-manage withdrawals, annuities guarantee exact payout numbers, ensuring peace of mind for retirees who need reliable income. 

​Higher Payouts Than Investment Advisors Can Offer 

One of the biggest advantages of annuities with Lifetime Income Riders is the ability to offer higher income than traditional investment strategies. Many advisors use a safe withdrawal rate of 3-4%, but annuities can provide 5% or more, depending on age and product selection. This means: 

• More income without market risk 
• Predictability in a volatile economy 
• No fear of outliving retirement funds 

By locking in higher payouts, clients can enjoy their retirement without the anxiety of stock market fluctuations. 

​The Ohlson Group Advantage: Helping You Close More Annuity Cases 

At The Ohlson Group, we specialize in helping insurance agents put together strong, competitive annuity cases. Whether you’re looking for the best product for a specific client or need marketing support to grow your annuity business, Nick Ohlson, Joe Ohlson, and our experienced team are here to assist you. 

We provide: 

• Product recommendations to maximize client benefits 
• Case design support to position annuities effectively 
• Sales and marketing tools to help you close more business 
• Access to top-rated carriers offering competitive income riders 

With our expertise, you’ll be able to confidently present annuity solutions that outperform traditional investment strategies. 

Final Thoughts 

​In a market where uncertainty is the norm, Guaranteed Lifetime Withdrawal Benefit Riders provide security, predictability, and higher income payouts. Unlike traditional investments that leave retirees at the mercy of market swings, annuities guarantee their income for life. 

Partner with Nick Olson, Joe Olson, and The Ohlson Group marketing team to bring these powerful solutions to your clients. Let’s grow your annuity business together! 

Want to learn more? Contact The Ohlson Group today and start putting together your next successful annuity case! 

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Until Next Time, Good Selling!

Joseph R. Ohlson LUTCF
President
1-877-844-0900
[email protected]