Stacked Income Option

• 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 4% income credit during the 10-year income rollup period. After income payments begin, the income 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 income  base. Additionally, payout percentages increase 0.10% each year 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 benefit, we multiply the income base by the income percentage.The income 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 base don 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 1.35% of the income base. The charge will be taken at the end of each contract year and may change at our discretion. Please note, asset allocation limits may apply to the declared rate strategy. Not available in all states. Available only with the American Custom 10.

• 1.35%