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Variable Annuity
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Nirmala
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Transamerica Life Insurance Company
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Death Benefits
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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
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
The Additional Earnings Rider provides a supplemental death benefit to help offset taxes on annuity death benefits. It can be added for an additional charge during the accumulation period and may continue if the surviving spouse elects to keep the Contract. If there are multiple beneficiaries, each can choose whether to receive benefits under the rider or continue it with fees. The rider carries an annual charge of 0.35% of the annuity value during the accumulation period, which is deducted from the annuity value annually and pro-rata on the rider's termination date, but not during the income phase. The rider pays an Additional Earnings Rider Amount if the rider is in force, death benefit proceeds are payable, and there are rider earnings when death benefits are calculated. It can be elected when the Contract is issued or on any Monthiversary before age 75. 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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