Annuity death benefits differ from those of life insurance. This article, taken from Western and Southern Financial Group, is a great overview about how these benefits work.

In this article by Dr. Wade Pfau, he discusses what a Safety First Retirement plan is.

In this article by Dr. Wade Pfau, he discusses the benefits that mortality credits play in creating income from annuities. Because of the mortality credits, income paid out by annuities is usually greater than what one can safely pull out of an investment account. But many retirees are hesitant to add income annuities to their retirement plans, and this puzzles economists.