Accessing Your Money
Withdrawals The Retirement Plus Multiplier ® Annuity offers several options to access your money without being subject to surrender charges or market value adjustments, including: • During the first contract year, you can withdraw the interest that will be earned on funds allocated to the fixed account or a Required Minimum Distribution. Required Minimum Distributions are available penalty free in all years;
• After the first contract year, you can withdraw up to 10% annually of your accumulation value or Required Minimum Distribution, whichever is greater; • If you are diagnosed with a terminal illness or confined to a nursing home after the first contract year, you can make a full surrender or partial withdrawal under certain conditions*;
• After the fifth contract year, you can apply the accumulation value of the contract to purchase a settlement option to provide income;
Surrender Charge Schedules The Retirement Plus Multiplier ® Annuity offers a choice of 5-, 7- or 10-year surrender charge schedules. If you surrender your annuity or request withdrawals above the penalty free amount, surrender charges may apply. Please discuss the surrender charge schedule with your agent. • You can take up to two withdrawals in a contract year as long as your accumulation value does not go below $2,500. Withdrawals must be at least $250.
CONTRACT YEAR
1234567891011+
5 YEAR SCHEDULE 10% 9% 8% 7% 6% 0% 0% 0% 0% 0% 0%
7 YEAR SCHEDULE 10% 9% 8% 7% 6% 5% 4% 0% 0% 0% 0%
10 YEAR SCHEDULE 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
* See the disclaimer page for more information
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ACLRPMBR-OT 101422
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