TURN ON ADDITIONAL FEATURES
5% BONUS PREMIUM BONUS RIDER
This optional rider is available on WealthChoice 10. Your initial premium and any additional premiums paid within the first 90 days will receive a premium bonus of 5%, which is applied to the Account Value and allocated in the same manner as the initial premium. Additional premiums paid in the first 90 days, along with applicable Bonus, are allocated to the fixed account and the accumulated values may be reallocated at the next anniversary. There is no fee for the rider, though caps and pars may be lower than if no Premium Bonus Rider had been selected. In the first five years, if any withdrawal in excess of free partial withdrawals, Lifetime Yearly Income withdrawals, RMDs or full surrender occurs, some or all of the Premium Bonus may be forfeited. The bonus is fully vested in year six. 110% BENEFIT DEATH BENEFIT In the event of death, the account value will be paid to your beneficiaries. If the sole primary beneficiary is the legal spouse of the owner, they will be able to assume ownership. 5-Year Death Benefit Enhancement: If the beneficiary elects the 5-year payout option, the death benefit will be multiplied by 110% prior to determining the periodic payment. 100% RETURN RETURN OF PREMIUM GUARANTEE WealthChoice provides a return of premium guarantee. After the end of your fifth contract year, the amount available for Full Surrender will never be less than the initial premium, adjusted for any withdrawals taken to that point.
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