|Variable Annuities||Fixed Index Annuities||Benefits||Performance||Literature||Prospectus||Learning Center|
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.
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.
This death benefit option pays you a percentage of your rider earnings, which may increase the legacy you leave your beneficiaries.
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.
Our lower cost death benefit option will pay your beneficiaries the policy value at the time that we receive due proof of death.
Our most popular Guaranteed Minimum Death Benefit option will pay your beneficiaries the total of all premiums paid, less any adjusted partial withdrawals.
All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurance company.
All policies, riders, and forms may vary by state, and may not be available in all states.
ICC12 RTP170513, RTP 17 0103, ICC12 RTP180513, RTP180103, ICC12 RGMD80513, NIC12 RGMD80513, NIC12 RGMD80513(NY), ICC12 RGMD50513, NIC12 RGMD50513, NIC12 RGMD50513(NY), ICC13 RGMD161013, NIC13 RGMD161013(NY)
Death benefits are only effective prior to annuitization and are subject to other conditions. Death benefit proceeds are taxable to the beneficiary. The adjustments due to partial withdrawals will reduce the death benefit amount in direct proportion, or dollar for dollar if greater to the percentage the policy value was reduced. This can increase the amount deducted from the death benefit to be more than the amount withdrawn.
At the time the death benefit is paid, the beneficiary will receive the greatest of the Policy Value, Cash Value, or the Guaranteed Minimum Death Benefit.
Restrictions apply. Please see prospectus for details.