GMWB max rate (3-7%) for in-the-money riders; 0-2% systematic for out-of-money
| source | Filing data; SOA Annuity Withdrawal Study |
| derivation | data_calibrated |
| quality | calibrated |
| regulatory frameworks | NAIC VM-21 |
| set | 2026-05-25 |
| last reviewed | 2026-05-25 |
| next review due | 2026-12-31 |
Separate from full surrender; affects RMD and longevity exposure.