I have been researching income riders for an upcoming potential purchase, and my eyes have been opened as to what impact an expensive income rider can make on the accumulation value. This is especially evident when the rider has a step-up, and is calculated on the income value vs. the accumulation value. Not surprisingly, most income riders appear to now be based on the income value. Does anyone have any suggestions for a decent income rider that is calculated on the accumulation value vs. the income value? I am currently 55, single, and would like to draw the income in 7 years. The only
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