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Preserve a legacy.

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

Annuity Death Benefits

Annuity Death Benefits


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We offer a wide array of death benefits, both standard and enhanced. These provide solutions that help ensure your clients' loved ones are taken care of.


Additional Death Distribution+ (ADD+)

Additional Death Distribution+SM (ADD+SM)

Our most innovative death benefit option is designed to increase the legacy left to beneficiaries by offering protection and value in up or down markets.

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Additional Death Distribution (ADD)

Additional Death DistributionSM (ADDSM)

This death benefit option pays a percentage of rider earnings, which may increase the legacy left to beneficiaries.

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Annual step-up

This Guaranteed Minimum Death Benefit option guarantees an amount equal to the highest policy value on either the issue date or any policy anniversary, plus premiums, and less adjusted partial withdrawals that occur after the anniversary with the highest value.

  • Issue age 0-75 
  • Available at policy issue only 
  • Irrevocable once issued 
  • The Mortality and Expense Fee and Administrative Charge (M&E&A) range is 0.80%-1.90%. Varies by product. Step-ups stop at age 81. The applicable fee will continue to be deducted even after the stepping up stops.

Policy value

Our lower cost death benefit option will pay your beneficiaries the policy value at the time that we receive due proof of death.

  • Issue age 0-90
  • Available at policy issue only
  • Irrevocable once issued
  • The Mortality and Expense Fee and Administrative Charge (M&E&A) range is 0.45%-1.55%. Varies by product. 

Return of premium

Our most popular Guaranteed Minimum Death Benefit option will pay your beneficiaries the total of all premiums paid, less any adjusted partial withdrawals. 

  • Issue age 0-85 
  • Available at policy issue only 
  • Irrevocable once issued 
  • The Mortality and Expense Fee and Administrative Charge (M&E&A) range is 0.60%-1.70%. Varies by product.