Income Benefit

Rider provides guaranteed Lifetime Income Payments. Also, it allows the contract value and death benefit for a period of time after Income Payments begin, however with the only available index option as Index Protection Strategy with DPSC and with Cap. Rider also offers a Multiplier Benefit at no additional charge after the 5th contract anniversary, that increases the annual maximum Income Payment. (Income Multiplier Benefit is not available in the Connecticut, Hawaii and Maryland).,If Income Payments before age 59½ the payments will generally be subject to a 10% additional federal tax. In income period the free withdrawal privilege is no longer available and any active automatic investment plan and/or systematic withdrawal program ends.

The Income Benefit provides no payment before the first Index Anniversary and until the Index Anniversary that the younger Eligible Person reaches age 50.The rider has an Income Multiplier Benefit which increases the annual maximum income payment, also this is not available before the Income Benefit Date, or before expiration of the income multiplier benefit wait period stated in the Income Benefit. The Income multiplier ends at the earliest of: 1)Annuity date, 2)The Income Benefit Anniversary,3) Income Benefit ends, 4) Contract ends. Income Multiplier Benefit is not available in Hawaii Maryland, Connecticut.