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9-Year Surrender (8, 8, 7, 6, 5, 4, 3, 2, 1, 0%) May vary by state.

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An annuity with a powerful long-term care benefit.

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Clients may receive coverage of 2x or 3x (depending on eligibility) the amount of the Contract Value for qualified long-term care expenses.

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Distributions are income tax-free when used for qualified long-term care expenses.

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Existing non-qualified annuities may be exchanged tax free.

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Innovative benefit allows spouses to share benefits.