Fixed Indexed Annuities (FIA) have been growing in popularity as both a protected growth tool, and a lifetime income tool. As more insurers add Enhanced Death Benefit options to their FIA offerings, a growing number of advisers are starting to use the FIA as a guaranteed legacy tool. Using a recent case as an example, in this BREW we will examine EDB riders and demonstrate that to make best use of this strategy, it’s important to understand the understand the subtle differences in how these products work.