Guaranteed Lifetime Income Advantage

The rider provides a guaranteed lifetime payments.,The Guaranteed Payment Phase begins on the date the Account Value decreases to zero, but the Payment Base is more than zero. During this phase, annuitant will receive automatic payments each Contract Year equal to the LPA on the date of the first payment. The payments will continue for lifetime. The Guaranteed Payment Phase will end if the Rider terminates. Rider has following contribution limits: 1) Initial contribution must be at least $25,000 but not more than $1,000,000 if annuitant is 75 or younger ($500,000 if annuitant is 76 or older), without prior approval. 2) Each additional contribution must be at least $1,000. 3) Additional contributions cannot be made after the older Annuitant's 80th birthday or during the Guaranteed Payment Phase. 4) Total contributions cannot be more than $1 million if annuitant is 75 or younger ($500,000 if annuitant is 76 or older), without prior approval.