Hello all,Any opinions are appreciated. I’ve been doing a bit of research on VA’s living benefits and have seen a few people talk about what sounded like an income benefit of 7%.CASE 1I have a prospect that’s 73. We want to use a VA with a living income benefit to fund a life insurance policy with the IRA RMD’s. The reason we are using a VA is he’s OK with some volatility and is looking for around 8% return. His wife that this is ultimately for turns white with the thought of loosing a penny. So, for her the income benefit and for him market participation with the annual ratchet. We want the product only on Mr. As Mrs. is the beneficiary of both policies.They don’t need any of the $$ from the RMD’s and his goal is to make the $200K into the largest amount possible. He thinks that he will pass away in the next few years as all his family die in their late 60’s. The wife’s family live well into their 90’s & she’s 66.That being said the best fit I’ve found is either Hartford or Nationwide.Pros/consHartford- Good = 6% income benny, lower internal costs and can be more aggressive in the investments. Bad = 10% cap on gains.Nationwide- Higher internal costs than Hartford, must invest in ready made allocation but no cap on gains. 6% income benny as wellBoth ratchet annually until age 85.CASE 2A guy who is a nervous Nelly. He’s a retired schoolteacher that just inherited a VERY large chunk of change. He’s super paranoid about it and feels “very vulnerable” until he figures out what to do. When I conceptually described a VA with a income benny the stress roles off his face and he said it’s to good to be true. He’s single & age 62. He’s pretty OK with his teacher pension so he doesn’t really need the money but wants the guarantee and potential market participation. He wants a good amount to be liquid for a house he’s thinking of buying so I’m thinking a CD ladder on $250K with the other $500K in the VANationwide recently came out with a 7% role up but only offers a 5% income benny.Any thoughts recommendations? Thanks in advance for your time.