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

The right of survivorship pertains to joint ownership of assets, where the surviving owner automatically inherits the deceased owner's share. This concept does not address the longevity of benefits for an annuitant; rather, it focuses on asset transfer upon death, making it irrelevant in the context of lifetime income guarantees.

A guaranteed minimum accumulation benefit ensures that the account will grow to at least a certain minimum value over time. While it offers a form of protection for the investment, it does not specifically guarantee that the annuitant will receive income for their lifetime. This feature is more about the growth of the investment rather than securing lifetime withdrawals.

A simple income rider provides a consistent income stream but may not guarantee payments for the annuitant's lifetime. Depending on the terms, the income might be limited to a set period or based on the account balance, which means the annuitant could potentially outlive their benefits if the account depletes.