The optional Rate Booster strategies provide greater interest crediting potential and are available on all indexed crediting options. Policyholders may:

• Allocate between the boosted and non-boosted strategies. Reallocate annually into or out of boosted strategies.
• Only funds allocated to Rate Booster strategies pay a 1% annual charge deducted from its Accumulation Value and rates are subject to change.

The GLIR rider ensures that customers have the option to receive retirement income that they can never outlive, while leaving them in control of their remaining accumulation value.

FIT Select Income clients must select either the Max Bonus GLIR or the Split Bonus GLIR at issue. The annual cost is 1% of the Accumulation Value.

The rider not available on FIT Secure Growth.

Max Bonus GLIR

Max Bonus GLIR provides a one-time Activation Bonus that scales up payments when the client is ready to start receiving income – raising the amount received. Max Bonus GLIR may be best for those focused on receiving the maximum income in retirement.

How it works:

Policy must be in force 1 full policy years before Max Bonus GLIR can be elected At election of income, the Accumulation Value is an activation bonus, based on how long the policy has been in force, then by the Guaranteed Withdrawal Percentage based on the annuitants current age.

This GLIR has a 1% annual charge.

Split Bonus GLIR

Split Bonus GLIR provides the option to split the bonus between 5% Immediate Interest Credits on premiums received in the first 8 policy years and a one-time Activation Bonus when the client is to start receiving income. For clients who want to boost Accumulation Value (AV) and have a competitive income in retirement, the Split Bonus GLIR may be a good fit for them.

How it works:

• Policy must be in force 1 full policy year before income can be elected.
• An Immediate Interest Credit is applied to the AV of the Policy
• At election of income, the accumulation value is multiplied by an activation bonus, based on how long the policy has been in force, then by the Guaranteed Withdrawal Percentage based on the annuitants current age.
• This GLIR has a 1% annual charge.

The GLIR Income Doubler doubles lifetime income for up to 5 years when it is needed most.

To qualify for the Income Doubler, the annuitant must be unable to perform two of six Activities of Daily Living permanently, and

• Policy must be in force for at least 2 years.
• Policy Accumulation Value is greater than zero.
• Income is elected on single life.
• No Excess Withdrawals taken in current policy year.
• Annuitant resides in United States.

When these requirements are met, annuitant income is doubled until the earlier of 5 years since Doubler activation, or the depletion of Accumulation Value.

The Increasing Income Option allows for annual income increases as a hedge against inflation.

Level
Income is received at a level rate for life.

Increasing
The initial income is less than level income, due to the Guaranteed Withdrawal Percentage being 1% lower at all ages.

• Income increases by 2.5% compounding until the Accumulation Value is depleted.
• After depletion income remains at highest level thereafter.*

*Assuming no excess withdrawals.

The FIT Retirement Series Emergency Access Waiver is available after the first policy year to use after an unforeseen hardship, such as a medical emergency, or after a separation from service or disability.

Here's how it works:

• For TPA-approved hardship or unforeseen emergency distributions payable to the annuitant, beginning in the second policy year the waiver forgives all withdrawal charges and Market Value Adjustment.
• For separations or disability distribution payable to the annuitant, withdrawal charges and MVA are waived on:
• 20% of accumulated value in years 2-4
• 100% of accumulated value in years 5+
• Policy must be in 403(b) or 457(b) status.

Keep in mind, any distributions are subject to federal income taxes and, if applicable, a 10% early distribution penalty.

The following riders are available at no additional cost in states where approved.

Nursing Care - Gives clients peace of mind that they will have access to a portion of savings without surrender charges in the case of a qualifying event.

Not available in: CA, IL, LA, MA, MT, NH, NJ, SC, SD, WA, WV, WI. See policy for qualification and limitations.

Terminal Illness Benefit - Eliminates withdrawal charges for the annuitant on one withdrawal if the policy has been in force longer than one year at the onset of the terminal illness, from which the client is physician-certified to have 12 months or fewer live.

Not available in: CA, IL, LA, MA, MO, MT, NH, NJ, OR, PA, UT, WV, WI. See policy for qualification and limitations.

Easy funding choices can help FIT Retirement Series customers go with the flow. Regularly scheduled contributions can be a low as $100 a month, using either payroll deduction or bank drafts. Or, clients can start a policy with a single premium of $5,000 or more and add additional money down the road.

The FIT Retirement Series products can be used as part of a non-qualified annuity to help supplement a retirement income strategy. Among other things, non-qualified annuities offer your clients:

• Higher contribution amounts compared to most qualified products.³
• Tax-free income on original post-tax contributions.⁴
• Freedom from restrictions due to having other plans or products, as well as no RMDs⁵ nor 10% early distribution penalties on original investment amounts.
• More distribution options for non-spousal beneficiaries.