Family Endowment Rider®
If one of your goals is to leave a legacy for your loved ones, you may elect to add the patent-pending Family Endowment Rider* to your Contract. The Family Endowment Rider® is referred to in your Contract as the Enhanced Death Benefit Rider. The Family Endowment Rider® can help protect your interest against market volatility and potentially increase the overall value of the annuity for your Beneficiaries.
The Family Endowment Rider® guarantees an Enhanced Death Benefit for your contract. If you purchase the Rider, the Death Benefit paid to your Beneficiary(ies) will be the higher of the Contract's Death Benefit or the Enhanced Death Benefit amount. The Rider benefit amount shall be equal to your premium accumulated at an effective annual interest rate of 4 percent until the maximum age or the date the Contract is terminated, whichever occurs first.