ACCESS MY VALUES Your FlexMark Select annuity provides better earnings opportunity when you allow your assets to grow over the long term. However, when the future becomes the present, unforeseen opportunities or issues may arise that will require you to access your money. You may fully surrender your policy at any time before the maturity date for the surrender value, which is equal to the greater of (a) the accumulation value less any surrender charge, and any market value adjustment (MVA), if applicable, or (b) the minimum guaranteed surrender value (see Pages 13 and 14). FlexMark Select offers several ways to withdraw your accumulation value without incurring penalties, giving you freedom and flexibility to respond to life’s changes. Penalty-Free Withdrawals —Each policy year after the first, you may withdraw up to 10% of your beginning-of-year accumulation value without incurring surrender charges or a market value adjustment. You are free to use this liquidity feature to respond to life’s unexpected events. The minimum withdrawal amount is $500. 10% Emergency Access —In addition to annual penalty-free withdrawals, FlexMark Select offers a one-time free withdrawal benefit, available after the first policy year, to help respond to life’s emergencies. You may withdraw up to an extra 10% of the accumulation value without incurring surrender charges or a market value adjustment (MVA) if you experience an emergency event. The extra 10% emergency access is not available in all states. Waiver of Surrender Charge Riders —Provided to you at no additional cost, the waiver of surrender charge riders may allow you to withdraw funds when your health declines without incurring surrender charges or an MVA. To qualify for a waiver, you must have been an owner continuously since the policy date. The annuitant is the qualifying person if the policy is owned by a trust or other legal entity. The waiver of surrender charge riders may vary by state and may not be applicable in all states. • Confinement —At any time after policy issue, if you become confined for at least 30 consecutive days to a qualified institution, surrender charges may be waived on
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