Armor Flex Seven GMPB rider

A benefit provides a guaranteed market protection benefit at the end of the Term for an additional charge. On the 7-year Term End Date, the GMPB Credit to your Contract Value if the GMPB Base is higher than the Contract Value. The GMPB Credit is equal to the lesser of (1) the GMPB Base on the Term End Date minus the Contract Value on the Term End Date and (2) the GMPB Buffer on the Term End Date. The amount used to determine the GMPB credit on the term end date. The GMPB buffer is equal to the GMPB base on a term start date multiplied by a 10% GMPB buffer factor. The minimum GMPB Buffer Factor is 0% and the maximum GMPB Buffer Factor is 75%. The current cancellation thresholds for GMPB stand at 190% by the conclusion of the 7th year.