IncomeDefender

• 40-85 (Q & NQ)
• Income payments may begin at age 55

This guaranteed income rider offers a 10% income credit, a 7-year income rollup period, and payout percentages that increase 0.10% each year your clients wait to start income payments until it reaches 7.5% for single lifetime income and 6.5% for joint lifetime income. To determine the amount of the maximum annual income payments, we multiply the income base by the income percentage.The income base is the account value on the date of issue or reset election, increased by subsequent income credits and purchase payments and reduced for withdrawals.The income percentage is based on the selected income option (single lifetime income or joint lifetime income) and the owner's age (or youngest age for joint spousal income) at the time of the first income payment. This is an optional rider that must be added at issue and is available for a charge that is currently 0.85%. The charge will be taken at the end of each contract year and may increase if a reset is elected. Please note, asset allocation limits may apply to the declared rate strategy. Not available in all states. Available only with the Index Protector 7.

• 0.85%