Edit Lifetime Withdrawal Guarantee II 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

The rider provides return of principal if first withdrawal taken prior to owner's age 59 1/2, else Issuer will continue to pay the Annual Benefit Payment each year until the owner's death.,If the owner or joint owner should die while the LWG II rider is in effect, an alternate death benefit amount will be calculated under the rider that can be taken in a lump sum. If rider is cancelled on the fifteenth contract anniversary or any contract anniversary thereafter, a Guaranteed Principal Adjustment will be added to account value. The Guaranteed Principal Adjustment is intended to restore initial investment in the contract in the case of poor investment performance. The Guaranteed Principal Adjustment is equal to (a) purchase payments credited within 120 days of the date contract is issued, reduced proportionately by the percentage reduction in account value attributable to any partial withdrawals taken minus (b) account value on the date of cancellation. The Guaranteed Principal Adjustment will be added to each applicable investment portfolio in the ratio the portion of the account value in such investment portfolio bears to the total account value in all investment portfolios and will never be less than zero.

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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