Annuities can be complex instruments. They can come in all shapes and forms, from immediate to deferred, from fixed to variable, from single life to joint life and everything in between. However, no matter how complex and seemingly custom-tailored, no annuity is ever perfect. That said, you can make them as good as you want by adding one or more annuity riders. If you’re wondering what that means, this post discusses what annuity riders are, how they work, their pros and cons, and the most common options insurance companies will offer when crafting the perfect contract. What are annuity riders…