Withdrawals
SURRENDER CHARGES
A surrender charge applies to all withdrawals during a contract term unless a rider is selected. The surrender charge amount is a percentage of the amount withdrawn.
SURRENDER CHARGE SCHEDULE - ISSUE AGES UNDER 60
Guarantee Period
1234567891011-20
3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year 20-Year
9% 8% 7% -
-
- -
- - -
- - - -
- - - - -
- - - - - -
- - - - - - -
9% 8% 7% 6% -
9%8%7%6%5% -
9%8%7%6%5%5% -
9%8%7%6%5%5%5% -
9%8%7%6%5%5%5%5% -
9%8%7%6%5%5%5%5%5% -
9%8%7%6%5%5%5%5%5%5% - 9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5%
The MVA expires at the end of each Guarantee Period and reinstates if you select a new Guarantee Period. MARKET VALUE ADJUSTMENT (MVA)
ATTAINED AGE - ISSUE AGES UNDER 60
Attained Age
Surrender Charge
64
5% 4% 3% 2% 1% 0%
65 66 67 68
69-100
SURRENDER CHARGE SCHEDULE - ISSUE AGES 60+
Guarantee Period
12345678910
3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year
8% 7% 6% -
-
- -
- - -
- - - -
- - - - -
- - - - - -
8% 7% 6% 5% -
8%7%6%5%4% -
8%7%6%5%4%3% -
8%7%6%5%4%3%2% -
8%7%6%5%4%3%2%1% -
8%7%6%5%4%3%2%1%0% - 8% 7% 6% 5% 4% 3% 2% 1% 0% 0%
6
ACLANBRHAVEN-FL 010523
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