#1 - The bailout provision will waive surrender charges within 60 days after the effective date of any interest rate that is equal to or falls below the bailout interest rate which is stated on the policy specifications page.

#2 - The above plan will be issued with a Nursing Home Rider providing the owner's age is 75 or younger at the time of the issue. After the owner has had 60 consecutive days of confinement to a Nursing Home, additional partial withdrawals are available without a surrender charge.

#3 - The policy owner is permitted to withdraw interest credited free of a surrender charge. As an alternative, each year, after the first year, the policy owner is permitted one withdrawal from the account value free of any surrender charge. The maximum amount of the free withdrawal is 10% of the accumulation account. No free withdrawal is permitted if it would reduce the accumulation account below $10,000.

This page provides a brief review of key points of the above noted annuities. Please review the actual annuity policy for specific information.