Edit Accumulation Benefit

Identity

COMPANY *

RIDER TYPE *

NAME *

INTERNAL NAME

DTCC RIDER ID *

PRODUCT POLICY TYPE *

Rules & Limits

RIDER SELECT RULE

BASED ON LIFE

MIN AGE

MAX AGE

ELIGIBLE PP

ELIGIBLE PP TERM

MAX BENEFIT BASE

MAX BENEFIT BASE %

WITH REDUCE BENEFIT BASE

FORMULA

Dates

INCEPTION DATE *

CLOSED DATE

State Availability

Exception

Not available in states

Status Flags

Terminated

Exclude Premium Bonus

Single Life

Joint Life

Spousal Continuation Option

Formula Case Available

Notes & Descriptions

BENEFIT DESCRIPTION

Benefit protects from poor investment performance during accumulation phase. Benefit base is equal to initial purchase payment, increased by purchase payments made within 180 days from contract issue and reduced for withdrawals. Owner may not make subsequent purchase payments during waiting period after 180 days following rider issue. Benefit guarantees that contract value will not be less than benefit base at rider maturity date. If contract value is less than benefit base at rider maturity date, Issuer will apply additional amount to increase contract value equal to benefit base. Owner may elect either elective step-up option, or automatic annual step-up option to reset benefit base. Benefit base will be reset annually to greater of - 1) 80% of contract value on contract anniversary, or 2) benefit base prior to automatic step up. Owner may also elect to exercise annual elective step up option. If contract value on valuation date, issuer receives request to step up, is greater than benefit base, benefit base will increase to 100% of contract value. Issuer imposes a charge greater of contract value or benefit base.

RIDER CANCELLATION

RIDER TERMINATION

AVAILABLE WHEN ADDED

SUBSEQUENT PREMIUM

WITHDRAWAL NOTES

PARTIAL WITHDRAWALS

REQUIRED MIN DISTRIBUTIONS

SPOUSAL CONTINUATION OPTION

EFFECT CHANGE OWNERSHIP

OTHER INFO

VERSION NOTES

INTERNAL NOTES

SCRAP BOOK

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