Income Keeper

• 40-85 (Q & NQ)

This guaranteed income rider stacks an amount equal to 100% of the interest credited to the account value on top of a guaranteed 2% income credit during the 10-year income rollup period. After income payments begin, the benefit base continues to increase by an amount equal to 100% of the interest credited to the account value. Each income payment will be calculated based on the current benefit base. To determine the amount of the maximum annual income benefit, we multiply the benefit base by the income percentage.The benefit base is the account value on the rider effective date, increased by subsequent purchase payments, income credits and interest credited to the account value, 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. Income payments may begin five years after the rider issue date and if the client is age 55+. This is an optional rider that must be added at issue and is available for an annual charge that is currently 0.50% of the benefit base. The charge will be taken at the end of each contract year. Not available in all states. Available only with the Index Protector 7.

Income payments may begin five years after rider effective date, if client is age 55 or older.

• 0.50%