10% Lifetime Income Benefit

The rider provides a guaranteed lifetime income.,The 10% Spousal Continuation Benefit is only available for election if and when the 10% Lifetime Income Option is elected. The 10% Spousal Continuation Benefit is not available in state NY. If, after beginning the lifetime income withdrawals, the contract value falls to zero, the contract owner has three options as follows: 1) continue withdrawals of no more than the LIB until the death of the contract owner; 2) elect the Age Based Lump Sum Settlement Option; or 3) elect the Underwritten Lump Sum Settlement Option.