In this unfiltered video, Shawn from The Annuity Expert breaks down exactly what a life annuity is and the different ways you can trigger lifetime income. Shawn explains the "choose your own adventure" paths for structuring your payout, warning against the traditional "Life-Only" annuitization strategy. While annuitization guarantees you a paycheck, it requires you to hand over permanent control of your money to the insurance company. If you pass away early without a refund feature, the insurance company keeps your remaining balance and your heirs get nothing.

Instead, Shawn reveals the ultimate retirement strategy: buying a Fixed Index Annuity and adding a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider. This approach provides the exact same lifetime income guarantee (for you or you and your spouse), but you retain complete control ove ...