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Annuity Death Benefits


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Our commitment to you goes beyond meeting your income needs in retirement. Our death benefit options help ensure your loved ones are taken care of.


Additional Death Distribution+ Flyer - Death Benefits - Variable Annuities

Additional Death Distribution+SM (ADD+SM)

Our most innovative death benefit option is designed to increase the legacy you leave your beneficiaries by offering you 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 you a percentage of your rider earnings, which may increase the legacy you leave your 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.