![concept-piece-download-30061-income-access-comparison](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-income-access-comparison.png)
For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!