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NFW-3320AO

Riders and Programs for Annuities

How do you make an annuity fit your needs like a glove?

You add on something extra – like an optional rider or program. These options offer additional coverage and protection on selected annuities and may have an additional charge.

Extra Value rider

Our Extra Value rider is available in 3% and 4% options. You choose the option that fits you, and each purchase payment you make in the first year will receive a credit of 3% or 4% depending on the option chosen.

Extra Value Cost
3.0% 0.40%
4.0% 0.55%

Your selection of the Extra Value rider cannot be revoked. Withdrawals during the seven-year period you pay for this rider may result in a recapture of a portion of the credit. The long-term potential advantage of this benefit will vary with the performance of the investment choices made at purchase, as well as how long the contract is held. The breakeven point may vary depending on any withdrawals or on additional purchase payments made after the first contract year. Please consider your needs carefully when evaluating this rider.

The Extra Value rider cannot be selected when assets are to be allocated in the fixed account.

NFW-1491AO.1

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