Ensure your legacy Accumulation 7 guarantees 2 that your loved ones will receive the full accumulation value of your policy, including all the interest you’ve earned. The Enhanced Death Benefit rider* provides, at no cost, an added amount beginning on the 10th anniversary of your policy. It’s equal to 10% of the interest credits that have been received since the policy was issued. The total death benefit is capped at 125% of the surrender value. The optional Enhanced Death Benefit Plus rider* can be selected at issue for an added charge. It provides an added amount to the normal death benefit beginning on the 10th anniversary equal to 40% of the interest credits that have been received since the policy was issued. The total death benefit is capped at 125% of the surrender value.
* This rider is not available in combination with the 5-Year Surrender Charge Rider.
Guaranteed 2 income for life Only an annuity can guarantee an income you can’t outlive by turning the value of your policy into a guaranteed income stream. This process is known as annuitization. You may annuitize your policy at any time up to the maturity date shown on your policy schedule. Surrender charges do not apply upon annuitization after the fifth policy year. Accumulation 7 offers several options for how long and how frequently you receive income from your annuity. You have the choice to receive equal annual, semiannual, quarterly or monthly annuity payments for your lifetime or for the number of years selected, from five to 30 years.
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