Good points that I have considered.  1)  I am not concerned about legacy, just that my spouse is paid the full amount until the end of her life, if I pass away before her.  So, this does include joint survivorship. 2)  Also, yes, I understand this is...

Note: If you don't read the entire post, take a look at the attached links to google drive that illustrates two scenarios. 1) $750K initial investment (now) in a fixed index annuity with an income rider providing a guaranteed minimum payment of $8436...