Traditional GMIB- Annuity Income Protection

The GMIB value before the date of your death or exercise of the GPWB is equal to: 1)your total Purchase Payments or 2) minus the percentage of any Contract Value withdrawn (prior to any MVA, but including any withdrawal charge) for each withdrawal you made. A charge of 0.45 will be deducted, if Traditional GMIB is opted in combination with Enhanced GMDB and 0.50 will be deducted, if Traditional GMIB is opted in combination with Earning protection GMDB.