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Variable Annuity
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Nirmala
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Pacific Life Insurance Company
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Premier Death Benefit Rider
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
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Age
Contract year
Days
Months
Years
Version Begin Date
Maximum Benefit Base
Maximum Benefit Base %
With Reduce Benefit Base
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Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. The Death Benefit Amount is equal to the greater of; (a) Contract Value as of that day, or (b) Purchase Payments less any withdrawals, including withdrawal charges, increased at an effective annual rate of 5% to that day (and subject to a maximum of two times the aggregate Purchase Payments less any withdrawals, including withdrawal charges).
Other Info
Cancellation
Once elected may not be cancelled.
Termination
Benefit will automatically terminate upon earliest of - 1) annuitization, 2) surrender, 3) contract value and benefits base reduces to zero, or 4) death.
Available When Added
No longer available for new purchases.
Effect Change Ownership
Not Applicable.
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
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