Income Focus

Rider provides guaranteed lifetime income payments called Income Focus Payments that can begin from age 60 to age 90. Income Value Percentages can increase by 1% annually.,Contract Value on the rider effective date must be at least $10,000. On each rider anniversary before the benefit date, and on each benefit anniversary after the benefit date if entire annual maximum Income Focus Payment has been taken during the prior year, Issuer will provide performance increase to each income value percentage associated with an eligible income value if the contract value (or Bonus Value if elected with Bonus Option) increases. Before the benefit date, each income value is eligible for a performance increase on the second rider anniversary that occurs after Issuer establish it. On the first rider anniversary, only the first income value is eligible for a performance increase. Performance increases are not available once the older covered person reaches age 91. The current Performance Increase is 1%. On each rider anniversary performance increase is applied to the rider if contract value is greater than contract value at the end of the last rider anniversary (or rider effective date if this is the first rider anniversary). Before this comparison, if any purchase payments have been made during the last rider year Issuer will subtract these payments from the contract value.