Family Endowment Rider Max (FER Max)

The Family Endowment Rider Max (FER Max) with step-up Bonus, an optional rider available for an additional charge, offers an Enhanced Death Benefit guaranteed to grow daily at a 2% compound annual rate (1% if the Balanced Allocation Lifetime Income Rider Fixed Growth Option (FGO) or Stacked Growth Option Max (SGO Max) is also elected) 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. 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. With bonus, the rider is available for annuitant's maximum age 76 years.