• Flexible Premiums

  After making a minimum payment, additional payments can be made when you choose and in the amount you wish.
  

• Tax-Deferred Growth

  Your money accumulates interest on a tax-deferred basis. ²
  

• Access to Your Money

  You may withdraw up to 10 percent of your accumulated value without a surrender charge each year. ³
  

• Systematic Withdrawal ⁴

  You receive periodic payments ⁵ to supplement your retirement income.
  

• Waiver of Surrender Charges

  To provide you access to money in critical times, any surrender charges for withdrawals ⁵ made during the first eight policy years will be waived if you experience terminal or chronic illness, total disability or nursing home confinement for 90 days. ³

• Guaranteed Income Benefit Rider ⁶

  It guarantees ¹ a minimum payout that you cannot outlive. All or part of this benefit can be annuitized after the eighth policy year.

• Performance-Enhanced Death Benefit Rider ⁶

  Your beneficiary receives the highest accumulated value over the course of the policy up to age 85. 
  
• Incremental Death Benefit Rider ^6,8
  Provides an additional death benefit equal to 40 percent of the gain in the policy (up to a maximum of 50 percent of premiums) that can help pay the income tax on the annuity's growth.
  
• Performance-Enhanced Death Benefit Rider ⁶ and Incremental Death Benefit Rider ⁶
  Having both features can maximize the benefit amount to your beneficiary.

            EquiTrust Mutual Funds ^®

            Columbia Management ^®

            DWS Scudder

            Fidelity Investments ^®

            Franklin® Templeton ^® Investments

            JPMorgan Asset Management

            Summit Investment Partners

            T. Rowe Price ^{® 9}