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Additional Annuity Benefits


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


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.