SECURITY BENEFIT | 5
About the Rider The Cumulative Free Withdrawal Rider with Rider Charge Refund is included with your TopRidge Bonus Annuity and has an annual Rider Charge of 0.95% multiplied by the Account Value at the time the charge is taken. The Rider Charge is deducted from the Account Value at the end of each Contract Year, after interest and index account credits have been applied. Under certain circumstances, a partial Rider Charge may apply based on the portion of the elapsed Contract Year and the Account Value. After the Surrender Charge Period ends, the Rider Charge will no longer be assessed. Review the SOU for more details. Rider Refund At the end of the Surrender Charge Period, if the total amount of fixed interest and index credits is less than the total amount of rider charges assessed, the difference will be refunded to you and added to the Fixed Account. The Rider Charge Refund is only available if you have not taken withdrawals in excess of the total Free Withdrawal Amount during the Surrender Charge Period. If your contract is terminated before the end of the Surrender Charge Period, there will be no Rider Charge Refund. Review the SOU for more details.
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