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Preserve a legacy.

Generate income for loved ones with variable annuity death benefit options.

Annuity Death Benefits

Additional Annuity Benefits


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Additional benefits

For faster access to retirement income, some of our variable annuities have additional benefits that can reduce or eliminate your clients' surrender charge schedule.

Learn more


Liquidity rider

For B-Share we offer a reduced surrender charge schedule (from seven to four years) for each premium payment.

  • Issue age 0-85
  • Available at policy issue only
  • Irrevocable once issued
  • In addition to the variable annuity Mortality and Expense Fee and Administrative Charge (M&E&A), 0.50% will be deducted annually for the first four policy years.
  • The reduced surrender charge schedule is 8%, 8%, 7%, and 6%

Access rider

Designed for PrincipiumSM III and AxiomSM II, this option enhances access to your policy value by eliminating all surrender charges during the accumulation phase. 

  • Issue age 0-90
  • Available at policy issue only
  • Irrevocable once issued
  • In addition to the variable annuity Mortality and Expense Fee and Administrative Charge (M&E&A), the rider range is 0.20%-0.35%. Varies by product.