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Annuity is payable, at a constant annuity rate in arrears, post Deferment Period, as long as at least one of the two Annuitants is alive.

86.0%

Second paragraph36 words

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Annuity will be payable post Deferment Period, for as long as the Annuitant is alive. On death of the Annuitant, all future annuity ceases immediately and the death benefit shall be payable which is higher of:

First paragraph46 words

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Upon the Annuitant being diagnosed with any of the covered Critical Illnesses (CI) or Accidental Total & Permanent Disability (ATPD) before age 85 last birthday or on death of the Annuitant, whichever occurs earlier, all future annuity payouts cease immediately and the following benefit shall be payable:

85.4%

Second paragraph41 words

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On the Annuitant being diagnosed with any of the 7 covered Critical Illnesses or Accidental Total & Permanent Disability before age 85 or on death of the Annuitant, whichever occurs earlier, the annuity payments will cease and Purchase Price shall be payable.

First paragraph30 words

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105% of Total Premiums Paid till the date of death After Deferment Period, higher of: Total Premiums Paid plus Guaranteed Additions (GAs), less total Annuity payouts till date of death

81.4%

Second paragraph18 words

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Purchase Price plus Guaranteed Additions (GAs) less Total Annuity Payouts till date of death 105% of Purchase Price

First paragraph15 words

Smart Guaranteed Pension

Guaranteed Lifelong Income High Premium Incentive Wide Range of Annuity options Flexible-Premium Payment Term

79.5%

Second paragraph16 words

Pension4life Plan

Wide Range of Annuity Options Guaranteed Lifetime Income Annuity Frequency Options Incentives for High Purchase Price

First paragraph35 words

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On death of the Annuitant, all future annuity payouts cease immediately and the following benefit shall be payable: During Deferment Period, higher of: Total Premiums Paid till the date of death plus Guaranteed Additions (GAs)

79.4%

Second paragraph36 words

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Annuity will be payable post Deferment Period, for as long as the Annuitant is alive. On death of the Annuitant, all future annuity ceases immediately and the death benefit shall be payable which is higher of:

First paragraph34 words

Plan Options

Options under the Plan: Option 1- Single Life Annuity with Return of Premiums. Option 2- Single Life Annuity with Return of Premiums on Critical Illness (CI) or Accidental Total & Permanent Disability (ATPD) or Death

53.3%

Second paragraph35 words

Options under the Plan

Option 4- Immediate Life Annuity with Return of Purchase Price on Critical Illness (CI) or Accidental Total & Permanent Disability (ATPD) or Death (Single Life) Option 5- Immediate Joint Life Annuity with Return of Purchase Price

First paragraph38 words

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On death of any one of the Annuitants during or after the Deferment Period, no death Benefit is payable. On death of the surviving Annuitant, all future annuity payouts cease immediately and the following benefit shall be payable:

42.8%

Second paragraph36 words

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Annuity will be payable post Deferment Period, for as long as the Annuitant is alive. On death of the Annuitant, all future annuity ceases immediately and the death benefit shall be payable which is higher of:

First paragraph43 words

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CI/ ATPD Benefit is not an additional benefit, it only facilitates an earlier payment of Death Benefit on prior occurrence of the CI/ ATPD. Annuity is payable, at a constant annuity rate in arrears, post Deferment Period, throughout the life of the Annuitant.

37.9%

Second paragraph36 words

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Annuity will be payable post Deferment Period, for as long as the Annuitant is alive. On death of the Annuitant, all future annuity ceases immediately and the death benefit shall be payable which is higher of: