• $5,000 to $24,999 • $25,000 to $49,999 • $50,000 to $99,999 • $100,000 to $1,499,999 • $1,500,000 and over
Interest crediting bands
You will not be charged an annual policy maintenance fee or policy administration fee.
Administrative fee
• Minimum withdrawal amount is $100. • The accumulation value may not fall below $2,000 due to a partial withdrawal. • Each policy year, you may withdraw the greatest of: –10% of the accumulation value as of the previous anniversary. – 10% of the current accumulation value. – 100% of the gain earned in the policy. (For policies with a premium amount of $100,000 or more. Not available in New York.) Withdrawals over the free withdrawal amount are subject to surrender charges as shown below, based on the surrender- charge period you select. Choose from among these surrender-charge periods:
Withdrawal options 5
1
2 3
3 Years % of Payment
7 7 7
1
2 3 4
4 Years % of Payment
7 7 7 6
1
2 3 4 5
5 Years % of Payment
7 7 7 6 5
1
2 3 4 5 6
6 Years % of Payment
7 7 7 6 5 4
1
2 3 4 5 6 7
7 Years % of Payment
7 7 7 6 5 4 3
1
2 3 4 5 6 7 8
8 Years % of Payment
7 7 7 6 5 4 3 2
A Return of Premium benefit is effective on your second policy anniversary (the Return of Premium Effective Date) for those who purchase the product between the ages of 0 and 85 and is effective immediately for those who purchase the product between the ages of 86 and 90. The Return of Premium benefit entitles you to a return of at least the premium you paid, less any prior withdrawals and/or surrender charges related to withdrawals made before the Return of Premium Effective Date. Surrender charges on withdrawals taken on or after the Return of Premium Effective Date will never exceed the total interest credited to the policy. 5 Withdrawals may be subject to regular income tax and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply.
Return of Premium benefit
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