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Variable Annuity
Death benefits
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Nirmala
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Equitable Financial Life Insurance Company of America
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Death Benefits
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Highest Anniversary Value Death Benefit
Edit Death Benefit
Death Benefit
Benefit Name
Internal Benefit Name
Inception Date
Closed Date
Rider Select Rule
Default
Mandatory
Optional
Based On Life
Annuitant
Owner
Owner (or Annuitant if owner is a natural entity)
Owner (or Annuitant if owner is a non-natural person)
Owner and Annuitant
Min Age
Max Age
Waiting Period
Waiting Term
Select
Age
Contract year
Days
Months
Years
Version Begin Date
Maximum Benefit Base
Maximum Benefit Base %
With Reduce Benefit Base
Select
Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. Benefit base will depend on whether withdrawals are taken from contract. If owner have not taken a withdrawal from the contract, benefit base is greater of - 1) initial purchase payment and any subsequent purchase payments made to contract, or 2) highest account value on any contract date anniversary up to the contract anniversary following owner's 85th birthday. If withdrawals are taken from the contract, highest anniversary value benefit base will be reduced from the amount. At any time after a withdrawal, highest anniversary value benefit base is equal to the greater of - 1) highest anniversary value benefit base immediately following most recent withdrawal, or 2) highest account value on any contract anniversary after withdrawal and until contract anniversary following owner's 85th birthday. If rider is elected with a GMIB, issue age is 20-80.
Other Info
Cancellation
May be cancelled any time after election.
Termination
May be cancelled on - 1) contract anniversary following the date Protection with Investment Performance account is funded, or 2) expiration of all withdrawal charges.
Available When Added
No longer available for new purchases.
Effect Change Ownership
Change in ownership will result in termination of rider except under certain conditions.
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
Exception
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