Which of the following guarantees the annuitant CANNOT outlive their benefits?

This benefit ensures a minimum value will accumulate in the annuity over time, which may provide some security for the annuitant. However, it does not guarantee lifetime income, as the annuitant could still outlive the accumulated amount, potentially leading to a scenario where benefits end before their life does.

The right of survivorship refers to the entitlement to inherit the annuity benefits upon the death of the annuitant. This concept does not address the income aspect during the annuitant's lifetime and does not guarantee that the annuitant will not outlive their benefits; it primarily deals with the transfer of benefits to another party.

A simple income rider provides a steady income stream for a specified duration but does not guarantee payments for the lifetime of the annuitant. If the annuitant lives beyond this period, they may exhaust their benefits, thereby exposing them to the risk of outliving their income.