Four-Year CDSC 7-7-6-5-0% Rider

Details

For an additional charge of 0.50%, the Liquidity rider provides a shorter four-year CDSC. After year four, the cost of the rider is eliminated and an option is given to withdraw money with no CDSC. Subpays are allowed in year one only:

Completed Years 0 (7% charge)
Completed Years 1 (7% charge)
Completed Years 2 (6% charge)
Completed Years 3 (5% charge)
Completed Years 4 (0% charge)

The normal CDCS schedule, without the option Liquidity Rider, would be:

Completed Years 0 (7% charge)
Completed Years 1 (7% charge)
Completed Years 2 (6% charge)
Completed Years 3 (5% charge)
Completed Years 4 (4% charge)
Completed Years 5 (3% charge)
Completed Years 6 (2% charge)
Completed Years 7 (0% charge)

Variable Annuities

Note: Not all riders/products are available in all states and territories. Check with your wholesaler for more information.