7% Commission ages 0-75

[5.0% ages 76-85]

5% Income

Account Roll-up

LIFETIME INCOME DAY ONE – NO Waiting Period

Grow Total Death Benefit up to 200%

Complete the form below for State Approvals and Further Details

• 25% income bonus is on initial premium received (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to Contract Value or death benefit.)

• Guaranteed 5% annual accumulation on the Income Account Value each Contract Anniversary for the first 10 years, or until income benefit is activated if earlier (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to the Contract Value or death benefit.)

• Guaranteed Lifetime Income may be elected at any time after issue (must be 59 1/2 or older).

• Grow total death benefit up to 200% of premium less withdrawals (or until age 85, whichever comes first)2 with the Optional Increased Death Benefit Guarantee Rider 1.25%.

• There is an annual charge for the Guaranteed Lifetime Income Benefit Rider, applied monthly to the Contract Value.

• Optional Increased Death Benefit Guaranteed Rider sets a death benefit floor equal to premium less withdrawals, increased by 5% of premium less withdrawals for each full contract year completed. Total death benefit for the contract is maximum of Contract Value or death benefit floor at time of death. Available at issue only for ages 0-75. Annual charge applies to Contract Value.

• Assuming no excess withdrawals