To Capture Potential Increases of Guaranteed Withdrawal Benefit

The GWB can also be enhanced based on the performance of the underlying investments through the Step-Up mechanism. On every 5th policy anniversary up to age 80 of the Life Insured, your GWB will be automatically stepped up to the current account value if the market value of your portfolio has risen and is higher than your GWB at that time.

With the stepped-up GWB, your retirement withdrawals are increased and can potentially provide higher annual withdrawals.

For illustrative purposes only. This is a hypothetical example of how the Step-Up feature would work. On every 5th policy anniversary up to age 80, in the case where the account value has risen and is higher than the GWB at the time when Step-Up is applicable, a new higher GWB will be available.