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I agree, its more important on life than annuity. From what I've heard AmEq will never be ranked real high because they don't sell life insurance as well. Who knows.
Back to the Waiver of Premium for Disability... on NA, is that available on the builder product? I'm relatively new to their software, fumbling my way through.
That is true to an extent. If you look at the companies that are mainly annuity carriers, they are not as highly ranked. A permanent life policy is a 20-50 year commitment of premiums and funds staying on the books. An annuity is a 5-15 year commitment to funds staying on the books. So a larger % of their assets are turning over vs. a life insurance focused carrier. I think that is one reason they push income riders so much. Once that income is turned on they can assume a much higher retention rate for those assets. I think AE will rise in the ratings over the next 5 years partially just due to riders being triggered.
NA only offers a Waiver of Monthly Deductions Rider for Disability. It only waives the internal expenses. It is available for the Rapid Builder. Look for it under the riders tab. There is also a "Waiver of Surrender Charges" Rider right below it.