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.