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Waiver Type
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Activities of Daily Living
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Waived Upto Amount
Description
Unemployment Waiver: After contract year one, 180 day elimination period.
Scrap book
BASE PreferredIncome for Life Rider: No-cost rider which allows benefit payments through withdrawals within specified limits for the lifetime of the Covered Life (must be age 65 or older). Initial amount is equal to contract value on the date the first withdrawal taken under the rider and will be recalculated at the beginning of each contract year. The amount may increase the longer the wait to take the first payment. Any unused amount may not be carried over after the end of the contract year. ENHANCED PreferredIncome for Life Rider: An Optional rider available for an additional fee. The Enhanced Rider allows benefit payments through withdrawals within specified limits to continue for the lifetime of the last covered life (youngest covered life must be age 60 or older). Calculated percentages are higher than the Base Rider percentages and withdrawal payments are available earlier. Initial amount is equal to contract value on the date the first withdrawal is taken under the rider, and will be recalculated each contract year. The Enhanced Rider includes a roll-up, which means that additional interest may be added to the benefit base annually within the first 10 years of the contract or until the first withdrawal is made. The amount may increase the longer the wait to take the first payment. Any unused amount may not be carried over after the end of the contract year.
Exception
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Not available in states
Rider Type Specific
Confinement Period Days
Confinement Length Must Be Consecutive?
Rider Type Specific
Life Expectancy
Life Expectancy Term
Select Term Type
Age
Days
Months
Years
Contract year
Not Available if Diagnosed With Terminal Illness Before Issue Date
Rider Type Specific
Defined Activity Daily Living
Rider Type Specific
Required Annuitization Term
Life Income Minimum Term (Months)
Period Certain Minimum Term Required
Period Certain Term
Select Term Type
Age
Days
Months
Years
Contract year
Accumulation Bonus
Bonus Applies Per Contract Value
Life Income Notes
Period Certain Notes
Life Income Option Required
Period Certain Required
Rider Type Specific
No Rider Type Specific Fields
Rider Type Specific
Available Renew Rate Fall Below
Available Renew Rate Equals
Available Renew Rate Below Equals
Options Exp Days After Annuitization
Rider Type Specific
Receive Social Security Benefit Disqualification
Receive Social Security Benefit Disqualification
Available if Diagnosed With Terminal Illness Before Issue Date
Must Meet Criteria Benefit Notes
Rider Type Specific
Elimination Days Consecutive
Confinement Consecutive Days
Rider Type Specific
Length of Window
Available After Guarantee Period
Available Before Guarantee Period
Rider Type Specific
Consecutive Days Unemployment ?
Must Be Employed at Contract Issue ?
Rider Type Specific
Confinement Period Days
Confinement Length Must Be Consecutive?
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