Retirement Protection Account

Rider provides guaranteed lifetime withdrawals (lifetime income payments) and a guaranteed death benefit (quarterly value death benefit).,Owner may elect to receive Lifetime Income Payment monthly, quarterly, semi-annually, or annually. On the benefit election date, if initial annual maximum lifetime income payment is less than $100, lifetime income payments are not available and will have incurred higher contract charges without receiving the benefit of a lifetime payment stream, although owner may still have access to the quarterly value death benefit.