Edit Investment Protector (07.12)

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 investments from unfavorable market performance. Benefit guarantees that, on each Target Value Date until benefit terminates, contract value will at least be equal to the Target Value. The Target Value is highest contract value on any contract anniversary, adjusted for subsequent purchase payments and withdrawals. Earliest available initial Target Value Date is tenth rider anniversary, subsequent Target Value Dates occur on every fifth rider anniversary after the initial Target Value Date and latest available date is the contract anniversary before owner's 91st birthday. Subsequent purchase payments are not permitted after third rider anniversary. On each rider year owner may not make subsequent purchase payments more than the initial amount without prior approval from Issuer. Issuer imposes a minimum rider charge of 0.35%. Contract Value on at rider issue must be at least $10,000 (or $25,000 if No Withdrawal Charge Option is elected). The guarantee percentage to the rider anniversary value to calculate the target Value is 80%. If No Withdrawal Charge Option or Quarterly Value Death Benefit is elected owner must also select Income Focus, Income Protector or Investment Protector at issue.

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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