1. In Illinois, Texas and Virginia, this rider is named the Roll-up Death Benefit with Enhanced Surrender Value Rider.
2. Credit Enhancements are vested 1/7th per year on the contract anniversary and fully vested after the 7th contract anniversary. During the first seven contract years, any withdrawal in excess of the free withdrawal, surrender or annuitization will result in a proportionate recapture of any unvested Credit Enhancement (also applies to withdrawals taken for hospital/ medical care or a terminal condition in excess of the free withdrawal amount).
3. Market Value Adjustment does not apply in California.

An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to nonqualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charge, investment management fees and rider fees. Variable sub accounts of annuities are subject to market fluctuation, investment risk and loss of principal.

Variable annuities are sold by prospectus. Your clients should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information.

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Policy form numbers: 11-70203, ICC11-70203, 11-70209, ICC11-70209, ICC11-70216, 12-70232, ICC12-70232, 12-70234, ICC12-70234, 12-70235, ICC12-70235, 12-70236, ICC12-70236, 12-70238, ICC12-70238, 12-70239, ICC12-70239, 15-70285, ICC15-70285, 16-70307, 17-70350, ICC17-70350, 17-70351, iCC17-70351, 17-70352, ICC17-70352, 17-70353, ICC17-70353, 17-70354, ICC17-70354, 17-70357, ICC17-70357, 18-70405, ICC18-70405, 18-70408, 18-70456, 19-70482, 19-70508, ICC19-70508, 19-70542, 19-70543, 19-70544, 20-70632, ICC20-70632, 20-70559, ICC20-70559, 20-70560, ICC20-70561, 20-70591, ICC20-70591, 20-70592, ICC20-70592, 20-70593, ICC20-70593, 20-70594, ICC20-70594, 20-70595, ICC20-70595, 20-70596, ICC20-70596, 20-70597, ICC20-70597, 21-70645, ICC21-70645, 23-72751, ICC23-72751, 23-72756, 23-72757, 23-72759, and any state variations.