Variable annuity death benefits can be simple, or you can upgrade your policy with riders that offer enhanced death benefit options. (thebalance.com)
In addition, an optional enhanced death benefit is also available if the annuity owner selects the life income option with a protected period at the time of policy issue. (lifeinsurancebyjeff.com)
There can be other fees for enhanced death benefit riders as well. (investopedia.com)