Final answer:
An AD&D rider is not typically included in an annuity contract, whereas nonforfeiture benefits, free-look periods, and beneficiary designations are standard features. Option D is correct.
Step-by-step explanation:
The item that is NOT typically included in an annuity contract is an AD&D rider. Annuity contracts often include a nonforfeiture benefit, which ensures that a policyholder receives a value even if they surrender the policy early. A free-look period is usually mandated by law, providing the buyer a certain amount of time to review the annuity contract and cancel without penalty. The beneficiary designation is also standard, allowing the annuitant to decide who will receive the benefits of the annuity upon their passing. However, an AD&D (Accidental Death & Dismemberment) rider is more commonly associated with life insurance policies, not with annuity contracts.