What Is a Rider Fee on an Annuity? In this video, we explain what a rider fee on an annuity is and why it shows up as an extra cost on your statement. You’ll see how rider fees are the price you pay for optional benefits layered on top of a base annuity contract, like lifetime income guarantees or enhanced death benefits. We walk through how rider fees are usually calculated, where they’re deducted from, and how they can impact your long-term growth. You’ll learn how to find the rider charges in