The Premier Income Bonus is intended to be a long-term product. However, you will have access to a portion of your money each year with penalty-free withdrawals, which are deducted from your account value. During the first contract year, you may withdraw up to 10% of your purchase payments. After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn. It’s important to note withdrawals in excess of this amount may be subject to early withdrawal charges and a market value adjustment. Early withdrawal charges and market value adjustments end after seven years. Impact of withdrawals on your rider benefits Your benefit base will accumulate rollup credits as long as your withdrawal(s) does not exceed the free withdrawal allowance or required minimum distribution. Your benefit base will be reduced for withdrawals taken before rider income payments begin. After income payments have begun, your benefit base will also be reduced for any withdrawals that are greater than the rider payment amount. See the rider for complete details. It’s important to consider your liquidity needs
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