Did you Hear? We’ve Enhanced our FIA Income Products!

*Referred to in the contract as Premium Enhancement Rider.

1 Note: Election of the optional Premium Enhancement Rider will result in lower caps, lower participation rates, lower trigger rates, lower fixed interest rates, and higher spreads. Early termination or death will negatively impact the product’s contract values.

Available on 10-Year Withdrawal Charge Period ForeAccumulation II. (9-Year in California).

There is no guarantee that electing a product with premium enhancement will perform better than electing a product without a premium enhancement rider or that electing this Rider will result in a higher contract value at the end of the contract. A Market Value Adjustment may be assessed on the remaining portion of the withdrawal in excess of the Free Withdrawal Amount.

Premium Enhancement Recapture Charge will be assessed on any cumulative withdrawals that exceed the Free Withdrawal Amount, to any annuitization during the first Contract Year, and to Death Benefits during the first contract year, proportionally adjusted to reflect the amount of the Premium Enhancement withdrawn, following the Premium Enhancement Recapture Charge Schedule (state variations apply) The election of the Premium Enhancement Rider may be more advantageous in flat or negative market environments.

There is no guarantee that electing this Rider will result in a higher contract value at the termination of the contract. The Premium Enhancement Rider cannot be elected in conjunction with other optional riders such as the Enhanced Death Benefit Rider or strategies with the Growth Accelerator Rider.

2 Once benefits begin, the Lifetime Withdrawal Percentage is locked. Lifetime Annual Payments are not subject to withdrawal charges or Market Value Adjustment.

The income benefit is included on the date of issue for an annual charge of 1.20% of the Withdrawal Base at the end of each contract year. The income benefit provides the guaranteed lifetime income called Lifetime Annual Payments (LAP) that are determined as a percentage of the Withdrawal Base at the time of income activation. The percentage is called the Lifetime Withdrawal Percentage (LWP), is based upon the age at income activation, and is locked in for life when the income begins. LWPs vary based on single or joint income. The Withdrawal Base and Deferral Bonus Base initially equal the premium amount. Deferral Bonus, called Income Boosts, are available to grow the Withdrawal Base. The first Deferral Bonus, equal to 20% of the premium amount, applies on day 1 of the contract. Prior to income activation, additional Deferral Bonuses equal to 7.5% of the premium amount, are provided at the beginning of years 2, 3, 4 and 5. If income activation is delayed until year 10, an additional Deferral Bonus is available which equals 150% of all interest credits earned in the first nine years of the contract. If a withdrawal is taken prior to the income activation your Withdrawal Base and Deferral Bonus Base will be reduced proportionately. Subsequent Deferral Bonuses will thereby be based on the current Deferral Bonus Base at each increase, not initial premium amount. Once income is activated, withdrawals in excess of LAP will reduce the LAP for future years in proportion to the reduction in contract value due to the part of the withdrawal that exceeds the LAP. The LAP is zero prior to the GLWB activation. It is important to note that the Withdrawal Base is separate from the contract value and is not available for cash surrender or as a death benefit.

3 Withdrawals prior to income activation will eliminate the Deferral Bonuses in the year of withdrawal. Withdrawals prior to activation and those in excess of the guaranteed income will reduce the Withdrawal Base and associated income proportionately to the contract value reduction associated with the excess amount.

With the Guaranteed Income Builder Benefit option, your clients will get a consistent 15% of their initial premium (adjusted for withdrawals) added to their Withdrawal Base every year for up to 20 years or until income activation.

The income benefit is included on date of issue for an annual charge of 1.20% of the Withdrawal Base at the end of each contract year. The Withdrawal Base is a separate numerical value and only used to help determine the amount of future income. It is not available for cash surrender or as a death benefit.

The income benefit provides guaranteed lifetime income called Lifetime Annual Payments (LAP) that are determined as a percentage of the Withdrawal Base at the time of income activation. The percentage is called the Lifetime Withdrawal Percentage (LWP), is based upon age at income activation, and is locked in for life when income begins. LWPs vary based on single or joint income.

With the Guaranteed Income Builder Benefit option, the Withdrawal Base grows by a guaranteed 15% roll-up, also known as Deferral Bonus, every year for up to 20 years or when you start to receive income. That percentage is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value and applies to the Withdrawal Base only. The Withdrawal Base is only used to determine the withdrawal benefit and is not available for cash surrender or as a death benefit. Withdrawal Base stops growing after income benefit activation for this growth option. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs.

Withdrawals prior to activation and amounts in excess of the LAP are known as Excess Withdrawals and will reduce the Withdrawal Base and LAP proportionally to the resulting reduction in contract value due to the Excess Withdrawal. Excess withdrawals also eliminate any Withdrawal Base growth in the year of the withdrawal.

The Guaranteed Income Builder Benefit is one of two Guaranteed Lifetime Withdrawal Benefits (GLWB) riders on this product that must be elected at time of contract issuance.

4 The income benefit is included on date of issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year. For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied, and rider fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner’s age is used.

Withdrawal Base increases are a multiple of the dollar amount of interest credits to your account value in a given year. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years where withdrawals exceed the Lifetime Annual Payment. No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value. There is no Withdrawal Base increase in the year of a withdrawal.

Withdrawals prior to activation and amounts in excess of the LAP are known as Excess Withdrawals and will reduce the Withdrawal Base and LAP proportionally to the resulting reduction in contract value due to the Excess Withdrawal. Excess withdrawals also eliminate any Withdrawal Base growth in the year of the withdrawal.

The Income Multiplier Benefit is one of two Guaranteed Lifetime Withdrawal Benefits (GLWB) riders on this product that must be elected at time of contract issuance.