SPIA vs GLWB

Most people looking for guaranteed income from an annuity only get shown one option. But there are two—and if you don’t compare them side-by-side, you could miss out on more income, better flexibility, or a stronger long-term fit.

In this episode, Bryan breaks down the six key differences between SPIAs (Single Premium Immediate Annuities) and GLWBs (Guaranteed Lifetime Withdrawal Benefits), and explains when one might be better than the other.

You’ll learn:

• Why income payments are just one part of the decision

• What happens if your start date changes after purchase

• How each option handles RMDs, legacy, and cash value

• Which companies offer the strongest guarantees—and why that matters

If you’re deciding between these two options, don’t rely on a one-sided pitch. This episode gives you the full picture.

Schedule a call with Bryan to compare your own options.