Can a Joint Annuity Pay Less After One Spouse Dies?

Are you worried that your spouse's retirement income will get drastically slashed when you pass away? Depending on the type of joint annuity you choose, their paycheck could actually drop by 50% or more!

In this video, Shawn Plummer from The Annuity Expert gives a candid breakdown of the critical difference between a "Joint and Survivor" annuity and a "Joint Life" payout. If you choose a traditional Joint and Survivor contract, you are permanently annuitizing your money—meaning you lose all control of your lump sum, and you might accidentally select an option that drops your surviving spouse's payout down to 75%, 50%, or even 25% of the original check!

Instead, Shawn reveals why a Joint Life payout (using a Guaranteed Lifetime Withdrawal Benefit rider on a Fixed Index Annuity) is vastly superior in today's market. Not only does it mathematically pay out similar or higher income than annuitization, but it contractually guarantees that your surviving spouse's paycheck stays at exactly 100% after you pass away! Plus, you maintain total control over your emergency liquidity and leave a lump-sum death benefit for your kids!

👉 Run your own math and calculate your exact Joint Lifetime payout right here:

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

📞 Need a free, unbiased comparison to protect your spouse? Call us at: 770-755-1565

⏱️ Video Chapters:

0:00 - Intro: Can a joint annuity pay less after one spouse dies?

0:20 - The difference between "Joint & Survivor" and "Joint Life" payouts

0:32 - Joint & Survivor: Annuitizing and losing control of your money

0:47 - Joint Life: Using a GLWB to maintain control of your principal

1:06 - How Joint & Survivor payouts can drop to 75%, 50%, or 25%

1:42 - Why Joint Life payouts are superior (100% income continuation!)

2:21 - The massive benefits of Joint Life (Liquidity, death benefits, and flexibility)

3:14 - How to get free, anonymous quotes from The Annuity Expert