Family Endowment Rider Max (FER Max)

The Family Endowment Rider Max (FER Max) is, an optional rider available for an additional charge, offers an Enhanced Death Benefit guaranteed to grow daily at a 3% compound annual rate (1.0% with BALIR) plus 100% of any interest earnings every two years. Beneficiaries receive the greatest of the Cash Surrender Value, Balanced Allocation Value or Enhanced Death Benefit value. The Enhanced Death Benefit Crediting Base accumulates until the Enhanced Death Benefit Interest Stop Date, which is the later of 8 years or Contract Owner age 85. FER Max also offers two powerful benefits to help protect your legacy: All RMDs associated with this contract can be taken without additional charges, and withdrawals up to 5% of the accumulation value, including RMDs, reduce the Enhanced Death Benefit value on a dollar-for-dollar basis. Rider also offers 5% dollar-for-dollar withdrawals each year with BALIR as well. FER Max includes a one-time Premium Bonus, which enhances the Accumulation Value on the Contract Date.