If you are looking for a specific amount of money at regular intervals, consider a fixed income option.   The Informed Investor's Guide
		Understanding Your Options The first choice you'll need to make is whether you want a fixed income option, a variable income or a combination of the two. Fixed Income If you are looking for a specific amount of money at regular intervals, consider a fixed income option. With this option, the insurance company guarantees a specific amount of income based on such factors as your age, gender, contract value and the payout period you have selected. The value of a fixed income option is that you know exactly how much you are getting and when. The downside is that it does not offer protection against inflation. Over time, even a low rate of inflation has the potential to reduce the buying power of fixed income. Variable Income If you are looking for an inflation hedge and are willing to accept some fluctuation in your income, consider a variable income option. The benefit: it may provide the potential for your income to increase over time. Here's how variable income works. Your total account value is converted into a fixed number of annuity units, based on the value of the underlying investment options at that time. Once this conversion takes place, you will have the same number of annuity units as long as you continue to receive income (assuming that you don't change investment options). The value of the units, and therefore, the amount of cash you receive, will increase or decrease based on the performance of the underlying investment options in relation to a benchmark return. Any change, up or down, will affect the amount of income you receive.

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