Offering clients the right information and education regarding fixed-indexed annuities (FIAs) is important when learning more about their specific needs.  A variety of riders exist. Learning about each will put you in a stronger position to match the right need with the right product. An annuity income rider is an optional benefit that functions like a pension, distributing guaranteed income for life to a retiree. The income rider is typically an optional feature on fixed, indexed and variable annuities and serves as an alternative to annuitization.