If you are planning for retirement with your spouse, ensuring that neither of you runs out of money is likely your top priority. In this video, Shawn Plummer from The Annuity Expert explains exactly what a Joint and Survivor Annuity is, and the two completely different ways to set it up.

Shawn breaks down the critical difference between traditional "Annuitization" (which forces you to give up control of your money forever) and a modern Guaranteed Lifetime Withdrawal Benefit (GLWB) rider. You will learn why a GLWB is often the far superior option for married couples, allowing you to lock in a guaranteed paycheck for both of your lifetimes while still maintaining control of your cash, earning market-linked interest, and preserving a lump-sum death benefit for your heirs.

📖 Read our full guide on Joint and Survivor Annuities here: