Direct answer
Whether this product is worth it depends on your priority for guaranteed lifetime income versus your comfort with higher annual mortality and expense fees associated with the Lifeguard Freedom Flex rider. It is beneficial if you seek market-linked growth with a downside floor, but the costs can significantly erode potential gains compared to lower-fee investment vehicles.
Analysis based on the product’s official prospectus and fee schedule filed with the SEC. For additional information about the complexities and risks associated with variable annuities, see the Investor.gov educational guide on annuities.
What this means for you
Whether this product is worth it depends on your priority for guaranteed lifetime income versus your comfort with higher annual mortality and expense fees associated with the Lifeguard Freedom Flex rider. It is beneficial if you seek market-linked growth with a downside floor, but the costs can significantly erode potential gains compared to lower-fee investment vehicles.
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