Withdrawal Benefit Rider (the Income Outlook Plus 5) & the Ultra Future FIA 15% Bonus! Lifetime Income and Amazing Liquidity

The Ultra Future FIA 10% Bonus that is 100% vested from the first day 3 Crediting Strategies S&P 500 Annual Reset Monthly Average S&P 500 Annual Reset Monthly Point to Point Traditional Fixed Account

The Ultra Future FIA Liquidity 10% Annual Penalty Free Withdrawal Interest Only Available After 1 Year Can be Annuitized After the 5 th Policy Year for as Short as a 5-Year Period Certain.

The Ultra Future FIA Surrender Charges: % (15 years) Death Benefit = Full Accumulated Value

Minimum Guaranteed Surrender Value Contract ValueIncome Account Value Depends on product Depends on credited rate each year 5% Bonus 5% Interest Rate (0.75% Annual Charge)

Minimum Guaranteed Surrender Value Contract ValueIncome Account Value Depends on product Depends on credited rate each year 5% Bonus 5% Interest Rate (0.75% Annual Charge) Greater Of When you are ready to elect income, the Company will look back and guarantee you earned at least 5% on your Income Account Value (IAV). If Contract Value is larger, your IAV will step up to the Contract Value.

Creates a new Income Account. The Income Account receives a 5% Bonus that is also included in the Contract Value. This bonus vests over time. 25% in year 8, 50% in year 9, and 100% in year 10. The Income Account Value is then guaranteed to grow at 5% Interest each year until the owner elects to receive lifetime income. Annual rider charge is 0.75%. WITHDRAWAL BENEFIT RIDER

The Power of 10%… Plus 5%! 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $100,000 $110,000 $117,700

The Power of 10%… Plus 5%! 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $100,000 Initial Contract Value $110,000 $117,700

The Power of 10%… Plus 5%! 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $100,000 Initial Contract Value $115,000 $120,750 5%Bonus from Rider

The Power of 10%… Plus 5%! 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $100,000 Initial Contract Value $115,000 $120,750 5%Bonus from Rider

Income Account Value Using Ultra Future

The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age = 5.00% = 5.50% = 6.00% = 6.50% = 7.00% = 7.50% 90 + = 8.00%

Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age = 5.00% = 5.50% = 6.00% = 6.50% = 7.00% = 7.50% 90 + = 8.00% Example: 72 year old owner with $100,000. After 5-years their income account value is $146,772 GUARANTEED. Their lifetime income benefit also GUARANTEES a 6.00% annual withdrawal percentage. $146,772 x 6.00% = $8, GUARANTEED for LIFE!

Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age = 5.00% = 5.50% = 6.00% = 6.50% = 7.00% = 7.50% 90 + = 8.00% Example: 82 year old owner with $100,000. After 7-years their income account value is $161,817 GUARANTEED. Their lifetime income benefit also GUARANTEES a 7.00% annual withdrawal percentage. $161,817 x 7.00% = $11, GUARANTEED for LIFE!

Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age = 5.00% = 5.50% = 6.00% = 6.50% = 7.00% = 7.50% 90 + = 8.00% Example: 82 year old owner with $100,000. After 7-years their income account value is $161,817 GUARANTEED. Their lifetime income benefit also GUARANTEES a 7.00% annual withdrawal percentage. $161,817 x 7.00% = $11, GUARANTEED for LIFE!

15% BONUS Give us the opportunity to EARN your business