Aspida Synergy Choice Bonus

What if I need to make a withdrawal above the 10% free withdrawal amount? In addition to possible MVA adjustments and possible decreases to the unvested premium bonus amount, withdrawing more than your free withdrawal amount may also result in early withdrawal charges. Each surrender charge period has its own early withdrawal charge schedule, which decreases over time, so you can know how much you are able to withdraw and how that will affect your contract. 12 Important to note: You always have access to 100% of your contract value, free of withdrawal charges and MVA, after the initial surrender charge period.

Withdrawl Charge Schedule 1

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10-Year Plan

9% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%

What options do I have if I am confined to a nursing home? You can withdraw up to 100% of your annuity’s contract value if you are confined to an eligible Nursing Home. This benefit is available if you are confined for at least 90 consecutive days any time after your first contract anniversary and meet eligibility requirements. No withdrawal charge or MVA will be applied if you qualify for this benefit. To receive the Nursing Home Waiver, you cannot be confined at the time your contract is issued and confinement must begin at least one year after the contract effective date. What options do I have if I am diagnosed with a terminal illness? You can withdraw up to 100% of your annuity’s contract value if you are diagnosed with a terminal illness that is expected to result in death within one year and meet eligibility requirements. No withdrawal charge or MVA will be applied if you qualify for this benefit. This waiver is available after your first contract anniversary and the initial diagnosis of terminal illness must be made after the contract effective date.

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