Can Annuitization Pay More Than a GLWB?

Are you trying to squeeze the absolute highest lifetime payout out of your retirement savings? Should you permanently annuitize your contract, or should you use a GLWB (Guaranteed Lifetime Withdrawal Benefit)? 🛑💸

In this video, Shawn Plummer from The Annuity Expert gives a candid breakdown of the two ways to generate guaranteed income from an annuity. The brutal truth? Annuitization is an irrevocable decision where you completely surrender your lump sum to the insurance company. Conversely, a GLWB (also known as an income rider) gives you total flexibility: you keep your money, earn interest, maintain emergency liquidity, and leave a lump-sum death benefit for your heirs!

But which one actually pays more? Shawn reveals that while annuitization can pay a slightly higher monthly check, it usually only happens in a very specific niche scenario: if you are over the age of 75! For almost everyone else in today's market, GLWBs are paying similar—or even better—rates, without forcing you to give up control of your life savings!

👉 Run your own math and compare Annuitization vs. GLWB payouts right here:

https://www.annuityexpertadvice.com/annuity-calculator-2/

📞 Need a free, apples-to-apples comparison of your income options? Call us at: 770-755-1565

⏱️ Video Chapters:

0:00 - Intro: Can annuitization pay more than a GLWB?

0:09 - Option 1: Annuitization (Giving up control of your money)

0:30 - Option 2: GLWB (Keeping control and maintaining flexibility)

1:16 - The Verdict: When does annuitization actually pay more? (Ages 75+)

1:41 - The rate change trap: Weekly vs. Quarterly fluctuations

2:19 - How to get free, objective quotes from The Annuity Expert