Optional Riders*
PREFERRED 10% FREE WITHDRAWAL
If selected, this rider waives the Surrender Charges and MVA for the first withdrawal per year after the first contract year. The owner may withdraw up to the greater of 10% of the account value (as of the last contract anniversary date) or the required minimum distribution (RMD). Surrender charges and MVA may apply if the withdrawal exceeds the greater of 10% or the RMD or there are multiple withdrawals in that contract year.
ACCUMULATED INTEREST WITHDRAWAL
If selected, this rider waives the Surrender Charge and MVA associated with accumulated interest withdrawals. Accumulated interest may be withdrawn annually, semi-annually, quarterly or monthly. The withdrawal amount must be $100 or greater.
INCLUDED RIDER DEATH BENEFIT FEATURE**
This rider waives the Surrender Charges and MVA associated with a lump-sum payment in the case of the death of the Owner.
*Riders must be added at the time of application and cannot be added at a later date once the contract is issued. Once an optional rider is selected it may not be removed during the annuity contract. **Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature.
4
4
ACLANBRHAVEN-FL 010523
Made with FlippingBook - Share PDF online