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 trigger and with Cap. Rider also offers a Multiplier Benefit at no additional charge, that increases the annual maximum Income Payment.,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 only available if eligible person is unable to perform at least two of the six activities of daily living (i.e, eating, dressing, transferring, bathing, toileting, continence) and must be confined to a qualified nursing home or hospital for at least 90 consecutive days in a 120 day period. Income Multiplier Benefit is not available in Hawaii Maryland, Connecticut.