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Variable Annuity
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Nirmala
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Transamerica Life Insurance Company
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Additional Earnings Rider
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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
The Additional Earnings Rider is an optional feature that can provide an additional amount upon the death of the annuitant, paid alongside the death benefit proceeds under the contract. To qualify for this rider, it must be in force at the time of death, death benefits must be payable, and there must be rider earnings when calculating the death benefit. The rider can be elected when the contract is issued or on any Monthiversary before reaching age 75. The Additional Earnings Rider Amount is calculated by multiplying an earnings factor by the lesser of the rider earnings on the death report day or the rider earnings limit times the rider base. The maximum amount payable under this rider is $1 million. Rider earnings are the death benefit proceeds minus the rider base, which is the annuity value or the death benefit proceeds on the rider date, whichever is greater.
Other Info
Cancellation
Termination
Benefit terminates upon Annuitization
Available When Added
No longer available for new purchases.
Effect Change Ownership
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
Exception
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