On the “Plus” side Because no two customers have the same financial circumstances or needs, we’ve included two optional riders that you may choose to elect to customize the contract for your situation. 2 ENHANCED BENEFIT RIDER In the event you are (a) diagnosed with a terminal illness that is expected to result in death within one year or (b) continuously confined in a qualified nursing care facility for at least 90 days, the Enhanced Benefit Rider allows you to access your funds after the first contract year without paying surrender charges or an MVA. 5% FREE WITHDRAWAL RIDER If you’re looking for more flexibility in how you access your assets during the guarantee period, you may elect the 5% Free Withdrawal Rider. It allows you to access the greater of 1) 5% of the contract value as of the last Contract Anniversary; or 2) your required minimum distribution (RMD), as calculated under the Internal Revenue Code, without paying surrender charges or an MVA.
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2 Election of one or both optional riders may reduce crediting rates set forth in the contract.
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