Inheritance Enhancer

Inheritance Enhancer is an optional enhanced death benefit rider that provides an enhanced legacy by increasing the rider’s benefit base annually up to a maximum rollup period of 10 years. Upon death of the owner, the benefit will be the greater of the Account Value and the Benefit Base. The rider’s benefit is available any time after the fifth contract anniversary. It can be distributed in one of two ways: as a lump sum or as a series of payments. In the lump sum option, the benefit amount is equal to the account value (AV), plus 50% of the difference between the AV and the Benefit Base. For the annuitization option, the benefit is equal to the AV plus the entire difference between the AV and Benefit Base. It can either be paid for life, or for a fixed period of five years.