回复：You have the option

You can choose to have inflation protected or not. Any riders take extra charge. However, alike buying puts, for those of my clients who for sure will use the $$ (not just for tax defer and guarantted death benefit purpose), I add all the riders including inflation protection for them.

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• Thanks for sharing. You are really knowledgeable. -SunshineInCA- ♀ (0 bytes) () 12/12/2012 postreply 17:17:21