+Income GMWB

Rider provides guaranteed lifetime income and increases to the withdrawal percentages, based upon several factors including, the age attained at the date of the first withdrawal, the length of time the owner has deferred the activation of income, and the Index Account Option performance during the deferral period. Two versions of this Guaranteed Minimum Withdrawal Benefit ("GMWB") are available: +Income GMWB, which is a single life version, and +Income GMWB with Joint Option, which is a version for two Covered Lives.