Simple Income Option

• 40-85 (Q & NQ)

This guaranteed income rider offers a 7% income credit, a 10-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. Clients will receive an income percentage enhancement if income payments are started during the first five contract years.To determine the amount of the maximum annual income benefit, we multiply the income base by the income percentage.The income base is the account value on the rider effective date or the most recent reset date, increased by subsequent income credits 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. If income payments begin during the first five contract years, the income percentage will increase by the applicable income percentage enhancement.Income payments may begin starting at age 55. This is an optional rider that must be added at issue and is available for an annual charge that is currently 1.05% of the income base. 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 American Custom 10.

• 1.05%