Riders are essentially additional benefits added to an insurance policy that often require an additional premium payment. In this way, riders can customize a life insurance policy to address specific needs or concerns.
Life Insurance
An annuity rider is a provision you can add to your annuity contract to ensure it meets your financial needs. The main categories of annuity income riders are guaranteed minimum living benefits and guaranteed minimum death benefits. 
The income rider is an annuity rider like a pension will distribute a guaranteed retirement income for life to a retiree. The Income Rider (Guaranteed Lifetime Withdrawal Benefit rider) is typically an optional feature on fixed indexed annuities and variable annuities and serves as an alternative to annuitization


Welcome to the Carrier Operations Real-Time Exchange database. Access all of the information for PHP's 19 insurance carriers below. This information will assist you during your meetings with clients and helps you track training schedules.
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