nassau personal protection choicesm1. the benefitbase is a calculatedvalue used solely to...
TRANSCRIPT
1.Thebenefitbaseisacalculatedvalueusedsolelytodeterminetheriderfeeandbenefitspayableunderthetermsoftheriderandisnotaguaranteeofcontractvalueoramountavailableforwithdrawal.Withdrawalsinexcessoftheguaranteedamountwillreducethebenefitbaseandthereforereducefutureguaranteedamounts.
NASSAU PERSONAL PROTECTION CHOICESM
ANNUAL BENEFIT AMOUNT SUPPLEMENT
The Guaranteed Lifetime Income Benefit Riders available with Nassau Personal Protection Choice, when exercised, can provide guaranteed annual income withdrawals for life. The guaranteed amount is the amount you will be able to withdraw each year called the Annual Benefit Amount (ABA).
What is my Annual Benefit Amount?
The ABA is a percentage of your contract’s benefit base1, and is based on your age at contract issue and attained age at rider exercise. To determine your ABA, multiply your benefit base by your ABA percentage found in the table on the following page. This is your maximum guaranteed withdrawal each year following rider exercise.
The benefit base is a value we calculate based on your initial premium and can grow depending on the benefits provided by the rider and how long you delay taking guaranteed withdrawals. See the brochure or product summary to learn more about features that will grow your benefit base.
This document provides the annual benefit amount percentages that determine the ABA.
Determining Your Guaranteed Lifetime Withdrawal BenefitSupplement to Product and Rider Brochures and Disclosures
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Today Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 3.30 3.35 3.39 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.09 4.12 4.14 4.14 4.15 4.49 4.50 4.51 4.51 4.55
41 0.00 3.30 3.35 3.39 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.16 4.12 4.14 4.14 4.15 4.49 4.50 4.51 4.51 4.55
42 0.00 3.30 3.35 3.39 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.23 4.17 4.14 4.14 4.15 4.49 4.50 4.51 4.51 4.55
43 0.00 3.25 3.34 3.39 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.25 4.23 4.17 4.14 4.15 4.49 4.50 4.51 4.51 4.55
44 0.00 3.16 3.28 3.38 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.23 4.17 4.15 4.49 4.50 4.51 4.51 4.55
45 0.00 3.18 3.25 3.29 3.44 3.49 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.23 4.21 4.49 4.50 4.51 4.51 4.55
46 0.00 3.10 3.20 3.28 3.35 3.49 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.56 4.50 4.51 4.51 4.55
47 0.00 2.89 3.14 3.27 3.31 3.38 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.51 4.51 4.55
48 0.00 3.16 3.18 3.18 3.27 3.36 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.51 4.55
49 0.00 3.14 3.19 3.18 3.23 3.32 3.53 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.55
50 0.00 2.80 3.17 3.21 3.20 3.27 3.49 3.58 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
51 0.00 0.00 2.88 3.17 3.21 3.23 3.30 3.52 3.63 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
52 0.00 0.00 0.00 2.96 3.17 3.21 3.29 3.37 3.62 3.67 3.87 4.25 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
53 0.00 0.00 0.00 0.00 3.04 3.17 3.21 3.35 3.42 3.64 3.87 4.15 4.25 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
54 0.00 0.00 0.00 0.00 0.00 3.11 3.18 3.24 3.40 3.47 3.71 4.06 4.20 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
55 0.00 0.00 0.00 0.00 0.00 0.00 3.28 3.36 3.43 3.42 3.54 3.81 4.09 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.35 3.44 3.50 3.43 3.89 4.08 4.25 4.25 4.25 4.57 4.57 4.57 4.57 4.66
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.43 3.48 3.72 3.74 3.99 4.16 4.25 4.25 4.57 4.57 4.57 4.57 4.66
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.50 3.56 3.88 3.80 4.06 4.16 4.25 4.57 4.57 4.57 4.57 4.66
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.71 3.65 3.97 3.88 4.11 4.16 4.57 4.57 4.57 4.57 4.66
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.85 3.73 4.04 3.96 4.16 4.47 4.57 4.57 4.57 4.66
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.96 3.81 4.04 4.06 4.33 4.49 4.57 4.57 4.66
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.04 3.85 4.09 4.17 4.38 4.49 4.57 4.66
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.07 3.99 4.16 4.21 4.46 4.49 4.66
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.16 4.07 4.16 4.32 4.49 4.55
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.17 4.16 4.16 4.39 4.55
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.20 4.18 4.21 4.46
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.20 4.25 4.30
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.24 4.34
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.30
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Today Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 5.00 5.00 5.12 5.17 5.17 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
65 4.89 5.00 5.12 5.17 5.17 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
66 4.77 4.89 5.12 5.17 5.17 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
67 4.55 4.83 5.02 5.17 5.17 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
68 4.41 4.60 4.90 5.06 5.17 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
69 4.42 4.46 4.70 5.01 5.06 5.40 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
70 4.40 4.51 4.53 4.77 5.06 5.29 5.40 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
71 0.00 4.48 4.58 4.61 4.86 5.17 5.29 5.40 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
72 0.00 0.00 4.56 4.68 4.70 4.99 5.26 5.29 5.52 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
73 0.00 0.00 0.00 4.65 4.76 4.82 5.15 5.29 5.41 5.57 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
74 0.00 0.00 0.00 0.00 4.69 4.84 5.08 5.19 5.41 5.46 5.93 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
75 0.00 0.00 0.00 0.00 0.00 4.80 5.01 5.08 5.21 5.46 5.81 5.93 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
76 0.00 0.00 0.00 0.00 0.00 0.00 5.05 5.09 5.08 5.29 5.61 5.88 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.09 5.10 5.11 5.40 5.72 6.02 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.14 5.10 5.22 5.46 5.80 6.02 6.07 6.30 6.46 6.46 6.46 6.46 6.46
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.14 5.15 5.26 5.53 5.83 6.07 6.30 6.46 6.46 6.46 6.46 6.46
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.20 5.20 5.35 5.59 5.94 6.28 6.33 6.46 6.46 6.46 6.46
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46 6.46
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Today Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 2.80 2.85 2.89 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.59 3.62 3.64 3.64 3.65 3.99 4.00 4.01 4.01 4.05
41 0.00 2.80 2.85 2.89 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.66 3.62 3.64 3.64 3.65 3.99 4.00 4.01 4.01 4.05
42 0.00 2.80 2.85 2.89 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.73 3.67 3.64 3.64 3.65 3.99 4.00 4.01 4.01 4.05
43 0.00 2.75 2.84 2.89 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.75 3.73 3.67 3.64 3.65 3.99 4.00 4.01 4.01 4.05
44 0.00 2.66 2.78 2.88 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.73 3.67 3.65 3.99 4.00 4.01 4.01 4.05
45 0.00 2.68 2.75 2.79 2.94 2.99 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.73 3.71 3.99 4.00 4.01 4.01 4.05
46 0.00 2.60 2.70 2.78 2.85 2.99 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.06 4.00 4.01 4.01 4.05
47 0.00 2.39 2.64 2.77 2.81 2.88 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.01 4.01 4.05
48 0.00 2.66 2.68 2.68 2.77 2.86 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.01 4.05
49 0.00 2.64 2.69 2.68 2.73 2.82 3.03 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.05
50 0.00 2.30 2.67 2.71 2.70 2.77 2.99 3.08 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
51 0.00 0.00 2.38 2.67 2.71 2.73 2.80 3.02 3.13 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
52 0.00 0.00 0.00 2.46 2.67 2.71 2.79 2.87 3.12 3.17 3.37 3.75 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
53 0.00 0.00 0.00 0.00 2.54 2.67 2.71 2.85 2.92 3.14 3.37 3.65 3.75 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
54 0.00 0.00 0.00 0.00 0.00 2.61 2.68 2.74 2.90 2.97 3.21 3.56 3.70 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
55 0.00 0.00 0.00 0.00 0.00 0.00 2.78 2.86 2.93 2.92 3.04 3.31 3.59 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.85 2.94 3.00 2.93 3.39 3.58 3.75 3.75 3.75 4.07 4.07 4.07 4.07 4.16
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.93 2.98 3.22 3.24 3.49 3.66 3.75 3.75 4.07 4.07 4.07 4.07 4.16
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.00 3.06 3.38 3.30 3.56 3.66 3.75 4.07 4.07 4.07 4.07 4.16
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.21 3.15 3.47 3.38 3.61 3.66 4.07 4.07 4.07 4.07 4.16
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.35 3.23 3.54 3.46 3.66 3.97 4.07 4.07 4.07 4.16
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.46 3.31 3.54 3.56 3.83 3.99 4.07 4.07 4.16
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.54 3.35 3.59 3.67 3.88 3.99 4.07 4.16
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.57 3.49 3.66 3.71 3.96 3.99 4.16
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.66 3.57 3.66 3.82 3.99 4.05
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.67 3.66 3.66 3.89 4.05
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.70 3.68 3.71 3.96
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.70 3.75 3.80
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.74 3.84
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.80
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Today Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 4.50 4.50 4.62 4.67 4.67 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
65 4.39 4.50 4.62 4.67 4.67 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
66 4.27 4.39 4.62 4.67 4.67 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
67 4.05 4.33 4.52 4.67 4.67 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
68 3.91 4.10 4.40 4.56 4.67 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
69 3.92 3.96 4.20 4.51 4.56 4.90 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
70 3.90 4.01 4.03 4.27 4.56 4.79 4.90 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
71 0.00 3.98 4.08 4.11 4.36 4.67 4.79 4.90 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
72 0.00 0.00 4.06 4.18 4.20 4.49 4.76 4.79 5.02 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
73 0.00 0.00 0.00 4.15 4.26 4.32 4.65 4.79 4.91 5.07 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
74 0.00 0.00 0.00 0.00 4.19 4.34 4.58 4.69 4.91 4.96 5.43 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
75 0.00 0.00 0.00 0.00 0.00 4.30 4.51 4.58 4.71 4.96 5.31 5.43 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
76 0.00 0.00 0.00 0.00 0.00 0.00 4.55 4.59 4.58 4.79 5.11 5.38 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.59 4.60 4.61 4.90 5.22 5.52 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64 4.60 4.72 4.96 5.30 5.52 5.57 5.80 5.96 5.96 5.96 5.96 5.96
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64 4.65 4.76 5.03 5.33 5.57 5.80 5.96 5.96 5.96 5.96 5.96
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.70 4.70 4.85 5.09 5.44 5.78 5.83 5.96 5.96 5.96 5.96
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96 5.96
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.32 3.40 3.46 3.68 3.74 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
40 0.00 2.53 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.32 3.40 3.46 3.74 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
41 0.00 2.59 2.55 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.35 3.40 3.46 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
42 0.00 2.65 2.62 2.65 2.89 2.96 3.02 3.08 3.14 3.20 3.35 3.35 3.40 3.46 3.88 3.99 4.03 4.14 4.44 4.44 4.44
43 0.00 2.72 2.67 2.65 2.72 2.89 2.98 3.09 3.08 3.14 3.38 3.35 3.35 3.40 3.46 3.99 4.03 4.14 4.44 4.44 4.44
44 0.00 2.78 2.74 2.70 2.72 2.78 3.02 3.06 3.12 3.12 3.43 3.40 3.37 3.35 3.40 3.46 4.03 4.14 4.44 4.44 4.44
45 0.00 2.96 2.85 2.75 2.75 2.81 3.02 3.09 3.12 3.16 3.40 3.43 3.41 3.38 3.36 3.40 3.61 4.14 4.44 4.44 4.44
46 0.00 3.06 2.98 2.87 2.80 2.80 3.04 3.06 3.15 3.19 3.33 3.46 3.44 3.42 3.39 3.40 3.64 3.62 4.44 4.44 4.44
47 0.00 3.05 3.10 3.03 2.90 2.83 3.05 3.09 3.12 3.19 3.29 3.49 3.49 3.46 3.43 3.43 3.67 3.65 3.63 4.44 4.44
48 0.00 3.18 3.36 3.14 3.03 2.96 3.07 3.11 3.15 3.20 3.33 3.57 3.54 3.51 3.48 3.47 3.71 3.69 3.66 3.63 4.44
49 0.00 3.20 3.21 3.37 3.19 3.08 3.23 3.13 3.18 3.21 3.25 3.58 3.65 3.64 3.61 3.60 3.75 3.73 3.70 3.67 3.66
50 0.00 3.24 3.24 3.25 3.39 3.22 3.23 3.28 3.19 3.23 3.28 3.45 3.66 3.72 3.73 3.79 3.96 4.10 4.26 4.40 4.40
51 0.00 0.00 3.30 3.30 3.31 3.42 3.25 3.27 3.34 3.23 3.29 3.46 3.51 3.76 3.77 3.82 3.87 4.02 4.18 4.36 4.40
52 0.00 0.00 0.00 3.35 3.35 3.36 3.47 3.32 3.35 3.39 3.28 3.46 3.73 3.76 3.83 3.87 3.91 3.98 4.09 4.26 4.40
53 0.00 0.00 0.00 0.00 3.41 3.41 3.42 3.53 3.37 3.38 3.44 3.46 3.51 3.73 3.76 3.91 3.96 3.98 4.05 4.18 4.36
54 0.00 0.00 0.00 0.00 0.00 3.49 3.49 3.49 3.58 3.43 3.44 3.56 3.51 3.71 3.73 3.76 4.00 4.06 4.09 4.13 4.26
55 0.00 0.00 0.00 0.00 0.00 0.00 3.53 3.53 3.54 3.63 3.49 3.54 3.59 3.72 3.71 3.73 3.78 4.10 4.13 4.13 4.21
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.55 3.56 3.58 3.63 3.83 3.79 3.74 3.72 3.71 4.04 4.02 4.18 4.21 4.21
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 3.94 3.93 3.86 3.90 3.83 4.02 4.08 4.10 4.26 4.26
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.02 4.01 3.94 4.01 4.02 4.06 4.08 4.10 4.36
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.10 4.05 4.02 4.06 4.06 4.06 4.08 4.15
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.18 4.22 4.15 4.15 4.07 4.06 4.08
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.28 4.25 4.20 4.24 4.12 4.06
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.41 4.32 4.32 4.33 4.12
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.45 4.41 4.37 4.35
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.55 4.49 4.44
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.13 4.22 4.45 4.62 4.58
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.41 4.48 4.64 4.71
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48 4.59 4.83
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48 4.59
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.88 4.88 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
50 4.79 4.88 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
51 4.69 4.83 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
52 4.59 4.79 4.83 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
53 4.49 4.69 4.83 5.00 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
54 4.44 4.59 4.79 4.94 5.00 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
55 4.36 4.54 4.69 4.84 5.00 5.23 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
56 4.31 4.44 4.59 4.79 4.94 5.13 5.29 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
57 4.31 4.36 4.54 4.69 4.84 5.03 5.23 5.39 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
58 4.36 4.41 4.44 4.59 4.79 4.92 5.13 5.33 5.42 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
59 4.41 4.44 4.49 4.54 4.69 4.86 5.03 5.21 5.33 5.42 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
60 4.47 4.49 4.53 4.54 4.59 4.76 4.92 5.11 5.21 5.33 5.46 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
61 4.44 4.52 4.58 4.62 4.64 4.71 4.86 5.00 5.11 5.21 5.33 5.52 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
62 4.43 4.48 4.52 4.66 4.71 4.71 4.76 4.94 5.03 5.13 5.22 5.35 5.62 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
63 4.43 4.47 4.48 4.52 4.76 4.80 4.81 4.83 4.94 5.03 5.13 5.22 5.46 5.69 5.80 5.95 5.95 5.95 5.95 5.95 5.95
64 4.52 4.52 4.52 4.53 4.56 4.84 4.89 4.89 4.92 4.95 5.03 5.13 5.28 5.52 5.75 5.95 5.95 5.95 5.95 5.95 5.95
65 4.56 4.57 4.52 4.52 4.53 4.88 4.95 4.95 4.97 5.01 5.00 5.03 5.17 5.40 5.62 5.83 5.95 5.95 5.95 5.95 5.95
66 4.70 4.66 4.66 4.58 4.52 4.89 4.93 5.03 5.05 5.07 5.06 5.01 5.03 5.22 5.46 5.72 5.89 5.95 5.95 5.95 5.95
67 4.80 4.76 4.72 4.75 4.58 4.87 4.89 4.99 5.08 5.12 5.10 5.06 5.01 5.11 5.28 5.54 5.78 5.89 5.95 5.95 5.95
68 4.83 4.85 4.83 4.80 4.79 4.87 4.92 4.89 4.99 5.19 5.20 5.17 5.12 5.11 5.17 5.37 5.59 5.83 5.89 5.95 5.95
69 4.59 4.83 4.96 4.93 4.87 4.93 4.88 4.92 4.89 4.99 5.27 5.22 5.17 5.12 5.11 5.24 5.48 5.72 5.89 5.89 5.95
70 4.49 4.60 4.84 5.03 5.01 4.99 4.99 4.95 5.07 5.14 5.24 5.27 5.22 5.17 5.12 5.18 5.24 5.48 5.72 5.89 5.89
71 0.00 4.77 4.85 5.04 5.13 5.10 5.09 5.04 5.06 5.16 5.26 5.29 5.27 5.22 5.17 5.12 5.19 5.24 5.48 5.72 5.89
72 0.00 0.00 4.86 4.99 5.24 5.25 5.19 5.13 5.16 5.14 5.29 5.31 5.29 5.27 5.22 5.17 5.19 5.24 5.24 5.48 5.72
73 0.00 0.00 0.00 4.86 4.99 5.24 5.43 5.27 5.26 5.23 5.25 5.29 5.38 5.34 5.29 5.24 5.24 5.24 5.30 5.30 5.48
74 0.00 0.00 0.00 0.00 4.86 4.99 5.24 5.47 5.37 5.34 5.34 5.30 5.34 5.38 5.34 5.29 5.28 5.30 5.30 5.37 5.42
75 0.00 0.00 0.00 0.00 0.00 4.96 5.09 5.35 5.50 5.45 5.39 5.39 5.37 5.37 5.38 5.34 5.33 5.39 5.37 5.37 5.37
76 0.00 0.00 0.00 0.00 0.00 0.00 5.04 5.18 5.45 5.58 5.54 5.45 5.45 5.46 5.44 5.44 5.37 5.40 5.40 5.42 5.42
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.71 5.62 5.58 5.51 5.52 5.52 5.44 5.37 5.40 5.40 5.42
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.77 5.72 5.64 5.59 5.60 5.52 5.44 5.37 5.40 5.40
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.83 5.75 5.75 5.72 5.60 5.52 5.44 5.37 5.46
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.90 5.86 5.83 5.72 5.60 5.52 5.44 5.51
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Single
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.95 5.95 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
71 5.89 5.95 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
72 5.89 5.89 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
73 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
74 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
75 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
76 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
77 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
78 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05
79 5.40 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05
80 5.46 5.41 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.82 2.90 2.96 3.18 3.24 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
40 0.00 2.03 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.82 2.90 2.96 3.24 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
41 0.00 2.09 2.05 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.85 2.90 2.96 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
42 0.00 2.15 2.12 2.15 2.39 2.46 2.52 2.58 2.64 2.70 2.85 2.85 2.90 2.96 3.38 3.49 3.53 3.64 3.94 3.94 3.94
43 0.00 2.22 2.17 2.15 2.22 2.39 2.48 2.59 2.58 2.64 2.88 2.85 2.85 2.90 2.96 3.49 3.53 3.64 3.94 3.94 3.94
44 0.00 2.28 2.24 2.20 2.22 2.28 2.52 2.56 2.62 2.62 2.93 2.90 2.87 2.85 2.90 2.96 3.53 3.64 3.94 3.94 3.94
45 0.00 2.46 2.35 2.25 2.25 2.31 2.52 2.59 2.62 2.66 2.90 2.93 2.91 2.88 2.86 2.90 3.11 3.64 3.94 3.94 3.94
46 0.00 2.56 2.48 2.37 2.30 2.30 2.54 2.56 2.65 2.69 2.83 2.96 2.94 2.92 2.89 2.90 3.14 3.12 3.94 3.94 3.94
47 0.00 2.55 2.60 2.53 2.40 2.33 2.55 2.59 2.62 2.69 2.79 2.99 2.99 2.96 2.93 2.93 3.17 3.15 3.13 3.94 3.94
48 0.00 2.68 2.86 2.64 2.53 2.46 2.57 2.61 2.65 2.70 2.83 3.07 3.04 3.01 2.98 2.97 3.21 3.19 3.16 3.13 3.94
49 0.00 2.70 2.71 2.87 2.69 2.58 2.73 2.63 2.68 2.71 2.75 3.08 3.15 3.14 3.11 3.10 3.25 3.23 3.20 3.17 3.16
50 0.00 2.74 2.74 2.75 2.89 2.72 2.73 2.78 2.69 2.73 2.78 2.95 3.16 3.22 3.23 3.29 3.46 3.60 3.76 3.90 3.90
51 0.00 0.00 2.80 2.80 2.81 2.92 2.75 2.77 2.84 2.73 2.79 2.96 3.01 3.26 3.27 3.32 3.37 3.52 3.68 3.86 3.90
52 0.00 0.00 0.00 2.85 2.85 2.86 2.97 2.82 2.85 2.89 2.78 2.96 3.23 3.26 3.33 3.37 3.41 3.48 3.59 3.76 3.90
53 0.00 0.00 0.00 0.00 2.91 2.91 2.92 3.03 2.87 2.88 2.94 2.96 3.01 3.23 3.26 3.41 3.46 3.48 3.55 3.68 3.86
54 0.00 0.00 0.00 0.00 0.00 2.99 2.99 2.99 3.08 2.93 2.94 3.06 3.01 3.21 3.23 3.26 3.50 3.56 3.59 3.63 3.76
55 0.00 0.00 0.00 0.00 0.00 0.00 3.03 3.03 3.04 3.13 2.99 3.04 3.09 3.22 3.21 3.23 3.28 3.60 3.63 3.63 3.71
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.05 3.06 3.08 3.13 3.33 3.29 3.24 3.22 3.21 3.54 3.52 3.68 3.71 3.71
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.44 3.43 3.36 3.40 3.33 3.52 3.58 3.60 3.76 3.76
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.52 3.51 3.44 3.51 3.52 3.56 3.58 3.60 3.86
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.60 3.55 3.52 3.56 3.56 3.56 3.58 3.65
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.68 3.72 3.65 3.65 3.57 3.56 3.58
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.78 3.75 3.70 3.74 3.62 3.56
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 3.91 3.82 3.82 3.83 3.62
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 3.95 3.91 3.87 3.85
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 4.05 3.99 3.94
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.63 3.72 3.95 4.12 4.08
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.91 3.98 4.14 4.21
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98 4.09 4.33
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98 4.09
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.38 4.38 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
50 4.29 4.38 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
51 4.19 4.33 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
52 4.09 4.29 4.33 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
53 3.99 4.19 4.33 4.50 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
54 3.94 4.09 4.29 4.44 4.50 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
55 3.86 4.04 4.19 4.34 4.50 4.73 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
56 3.81 3.94 4.09 4.29 4.44 4.63 4.79 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
57 3.81 3.86 4.04 4.19 4.34 4.53 4.73 4.89 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
58 3.86 3.91 3.94 4.09 4.29 4.42 4.63 4.83 4.92 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
59 3.91 3.94 3.99 4.04 4.19 4.36 4.53 4.71 4.83 4.92 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
60 3.97 3.99 4.03 4.04 4.09 4.26 4.42 4.61 4.71 4.83 4.96 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
61 3.94 4.02 4.08 4.12 4.14 4.21 4.36 4.50 4.61 4.71 4.83 5.02 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
62 3.93 3.98 4.02 4.16 4.21 4.21 4.26 4.44 4.53 4.63 4.72 4.85 5.12 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
63 3.93 3.97 3.98 4.02 4.26 4.30 4.31 4.33 4.44 4.53 4.63 4.72 4.96 5.19 5.30 5.45 5.45 5.45 5.45 5.45 5.45
64 4.02 4.02 4.02 4.03 4.06 4.34 4.39 4.39 4.42 4.45 4.53 4.63 4.78 5.02 5.25 5.45 5.45 5.45 5.45 5.45 5.45
65 4.06 4.07 4.02 4.02 4.03 4.38 4.45 4.45 4.47 4.51 4.50 4.53 4.67 4.90 5.12 5.33 5.45 5.45 5.45 5.45 5.45
66 4.20 4.16 4.16 4.08 4.02 4.39 4.43 4.53 4.55 4.57 4.56 4.51 4.53 4.72 4.96 5.22 5.39 5.45 5.45 5.45 5.45
67 4.30 4.26 4.22 4.25 4.08 4.37 4.39 4.49 4.58 4.62 4.60 4.56 4.51 4.61 4.78 5.04 5.28 5.39 5.45 5.45 5.45
68 4.33 4.35 4.33 4.30 4.29 4.37 4.42 4.39 4.49 4.69 4.70 4.67 4.62 4.61 4.67 4.87 5.09 5.33 5.39 5.45 5.45
69 4.09 4.33 4.46 4.43 4.37 4.43 4.38 4.42 4.39 4.49 4.77 4.72 4.67 4.62 4.61 4.74 4.98 5.22 5.39 5.39 5.45
70 3.99 4.10 4.34 4.53 4.51 4.49 4.49 4.45 4.57 4.64 4.74 4.77 4.72 4.67 4.62 4.68 4.74 4.98 5.22 5.39 5.39
71 0.00 4.27 4.35 4.54 4.63 4.60 4.59 4.54 4.56 4.66 4.76 4.79 4.77 4.72 4.67 4.62 4.69 4.74 4.98 5.22 5.39
72 0.00 0.00 4.36 4.49 4.74 4.75 4.69 4.63 4.66 4.64 4.79 4.81 4.79 4.77 4.72 4.67 4.69 4.74 4.74 4.98 5.22
73 0.00 0.00 0.00 4.36 4.49 4.74 4.93 4.77 4.76 4.73 4.75 4.79 4.88 4.84 4.79 4.74 4.74 4.74 4.80 4.80 4.98
74 0.00 0.00 0.00 0.00 4.36 4.49 4.74 4.97 4.87 4.84 4.84 4.80 4.84 4.88 4.84 4.79 4.78 4.80 4.80 4.87 4.92
75 0.00 0.00 0.00 0.00 0.00 4.46 4.59 4.85 5.00 4.95 4.89 4.89 4.87 4.87 4.88 4.84 4.83 4.89 4.87 4.87 4.87
76 0.00 0.00 0.00 0.00 0.00 0.00 4.54 4.68 4.95 5.08 5.04 4.95 4.95 4.96 4.94 4.94 4.87 4.90 4.90 4.92 4.92
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.21 5.12 5.08 5.01 5.02 5.02 4.94 4.87 4.90 4.90 4.92
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.27 5.22 5.14 5.09 5.10 5.02 4.94 4.87 4.90 4.90
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.33 5.25 5.25 5.22 5.10 5.02 4.94 4.87 4.96
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.40 5.36 5.33 5.22 5.10 5.02 4.94 5.01
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Care Protection: Tomorrow Coverage Option: Spousal
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.45 5.45 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
71 5.39 5.45 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
72 5.39 5.39 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
73 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
74 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
75 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
76 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
77 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
78 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55
79 4.90 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55
80 4.96 4.91 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Today Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 3.37 3.42 3.46 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.17 4.20 4.22 4.22 4.23 4.58 4.60 4.61 4.61 4.66
41 0.00 3.37 3.42 3.46 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.25 4.20 4.22 4.22 4.23 4.58 4.60 4.61 4.61 4.66
42 0.00 3.37 3.42 3.46 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.33 4.26 4.22 4.22 4.23 4.58 4.60 4.61 4.61 4.66
43 0.00 3.32 3.41 3.46 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.35 4.33 4.26 4.22 4.23 4.58 4.60 4.61 4.61 4.66
44 0.00 3.23 3.34 3.45 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.33 4.26 4.23 4.58 4.60 4.61 4.61 4.66
45 0.00 3.25 3.32 3.36 3.51 3.56 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.33 4.31 4.58 4.60 4.61 4.61 4.66
46 0.00 3.17 3.27 3.34 3.42 3.56 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.67 4.60 4.61 4.61 4.66
47 0.00 2.96 3.21 3.33 3.38 3.45 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.61 4.61 4.66
48 0.00 3.23 3.25 3.25 3.33 3.43 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.61 4.66
49 0.00 3.21 3.27 3.26 3.30 3.39 3.61 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.66
50 0.00 2.86 3.24 3.28 3.27 3.33 3.56 3.66 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
51 0.00 0.00 2.95 3.24 3.28 3.30 3.37 3.59 3.71 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
52 0.00 0.00 0.00 3.02 3.24 3.28 3.36 3.44 3.69 3.75 3.96 4.35 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
53 0.00 0.00 0.00 0.00 3.10 3.24 3.28 3.42 3.49 3.72 3.96 4.23 4.35 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
54 0.00 0.00 0.00 0.00 0.00 3.18 3.25 3.31 3.47 3.55 3.79 4.14 4.30 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
55 0.00 0.00 0.00 0.00 0.00 0.00 3.35 3.43 3.50 3.49 3.62 3.89 4.17 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.42 3.51 3.57 3.50 3.98 4.16 4.35 4.35 4.35 4.68 4.68 4.68 4.68 4.75
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.50 3.55 3.80 3.82 4.07 4.25 4.35 4.35 4.68 4.68 4.68 4.68 4.75
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.57 3.64 3.97 3.88 4.14 4.25 4.35 4.68 4.68 4.68 4.68 4.75
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.79 3.73 4.06 3.97 4.19 4.25 4.68 4.68 4.68 4.68 4.75
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.93 3.81 4.12 4.04 4.25 4.56 4.68 4.68 4.68 4.75
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.04 3.89 4.13 4.14 4.41 4.58 4.68 4.68 4.75
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 3.93 4.17 4.26 4.47 4.58 4.68 4.75
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.15 4.08 4.24 4.31 4.55 4.58 4.75
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.25 4.15 4.24 4.40 4.58 4.66
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.26 4.24 4.24 4.48 4.66
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.30 4.27 4.31 4.55
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.30 4.35 4.39
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.34 4.43
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.39
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Today Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 5.10 5.10 5.23 5.27 5.27 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
65 5.00 5.10 5.23 5.27 5.27 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
66 4.87 5.00 5.23 5.27 5.27 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
67 4.66 4.93 5.12 5.27 5.27 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
68 4.50 4.70 5.01 5.17 5.27 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
69 4.51 4.55 4.80 5.11 5.17 5.52 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
70 4.49 4.60 4.64 4.87 5.17 5.41 5.52 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
71 0.00 4.57 4.69 4.71 4.96 5.27 5.41 5.52 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
72 0.00 0.00 4.67 4.77 4.80 5.09 5.38 5.41 5.63 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
73 0.00 0.00 0.00 4.74 4.86 4.92 5.25 5.41 5.53 5.69 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
74 0.00 0.00 0.00 0.00 4.79 4.94 5.19 5.29 5.53 5.57 6.07 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
75 0.00 0.00 0.00 0.00 0.00 4.90 5.11 5.19 5.31 5.57 5.93 6.07 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
76 0.00 0.00 0.00 0.00 0.00 0.00 5.15 5.20 5.19 5.41 5.74 6.00 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.20 5.21 5.22 5.52 5.83 6.14 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.25 5.21 5.33 5.57 5.92 6.14 6.19 6.44 6.59 6.59 6.59 6.59 6.59
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.25 5.25 5.38 5.64 5.95 6.19 6.44 6.59 6.59 6.59 6.59 6.59
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.30 5.46 5.72 6.08 6.42 6.47 6.59 6.59 6.59 6.59
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59 6.59
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Today Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 2.87 2.92 2.96 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.67 3.70 3.72 3.72 3.73 4.08 4.10 4.11 4.11 4.16
41 0.00 2.87 2.92 2.96 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.75 3.70 3.72 3.72 3.73 4.08 4.10 4.11 4.11 4.16
42 0.00 2.87 2.92 2.96 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.83 3.76 3.72 3.72 3.73 4.08 4.10 4.11 4.11 4.16
43 0.00 2.82 2.91 2.96 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.85 3.83 3.76 3.72 3.73 4.08 4.10 4.11 4.11 4.16
44 0.00 2.73 2.84 2.95 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.83 3.76 3.73 4.08 4.10 4.11 4.11 4.16
45 0.00 2.75 2.82 2.86 3.01 3.06 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.83 3.81 4.08 4.10 4.11 4.11 4.16
46 0.00 2.67 2.77 2.84 2.92 3.06 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.17 4.10 4.11 4.11 4.16
47 0.00 2.46 2.71 2.83 2.88 2.95 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.11 4.11 4.16
48 0.00 2.73 2.75 2.75 2.83 2.93 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.11 4.16
49 0.00 2.71 2.77 2.76 2.80 2.89 3.11 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.16
50 0.00 2.36 2.74 2.78 2.77 2.83 3.06 3.16 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
51 0.00 0.00 2.45 2.74 2.78 2.80 2.87 3.09 3.21 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
52 0.00 0.00 0.00 2.52 2.74 2.78 2.86 2.94 3.19 3.25 3.46 3.85 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
53 0.00 0.00 0.00 0.00 2.60 2.74 2.78 2.92 2.99 3.22 3.46 3.73 3.85 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
54 0.00 0.00 0.00 0.00 0.00 2.68 2.75 2.81 2.97 3.05 3.29 3.64 3.80 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
55 0.00 0.00 0.00 0.00 0.00 0.00 2.85 2.93 3.00 2.99 3.12 3.39 3.67 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.92 3.01 3.07 3.00 3.48 3.66 3.85 3.85 3.85 4.18 4.18 4.18 4.18 4.25
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.00 3.05 3.30 3.32 3.57 3.75 3.85 3.85 4.18 4.18 4.18 4.18 4.25
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.07 3.14 3.47 3.38 3.64 3.75 3.85 4.18 4.18 4.18 4.18 4.25
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.29 3.23 3.56 3.47 3.69 3.75 4.18 4.18 4.18 4.18 4.25
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.43 3.31 3.62 3.54 3.75 4.06 4.18 4.18 4.18 4.25
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.54 3.39 3.63 3.64 3.91 4.08 4.18 4.18 4.25
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.43 3.67 3.76 3.97 4.08 4.18 4.25
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.65 3.58 3.74 3.81 4.05 4.08 4.25
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.75 3.65 3.74 3.90 4.08 4.16
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.74 3.74 3.98 4.16
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.80 3.77 3.81 4.05
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.80 3.85 3.89
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.84 3.93
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.89
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Today Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 4.60 4.60 4.73 4.77 4.77 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
65 4.50 4.60 4.73 4.77 4.77 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
66 4.37 4.50 4.73 4.77 4.77 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
67 4.16 4.43 4.62 4.77 4.77 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
68 4.00 4.20 4.51 4.67 4.77 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
69 4.01 4.05 4.30 4.61 4.67 5.02 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
70 3.99 4.10 4.14 4.37 4.67 4.91 5.02 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
71 0.00 4.07 4.19 4.21 4.46 4.77 4.91 5.02 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
72 0.00 0.00 4.17 4.27 4.30 4.59 4.88 4.91 5.13 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
73 0.00 0.00 0.00 4.24 4.36 4.42 4.75 4.91 5.03 5.19 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
74 0.00 0.00 0.00 0.00 4.29 4.44 4.69 4.79 5.03 5.07 5.57 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
75 0.00 0.00 0.00 0.00 0.00 4.40 4.61 4.69 4.81 5.07 5.43 5.57 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
76 0.00 0.00 0.00 0.00 0.00 0.00 4.65 4.70 4.69 4.91 5.24 5.50 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.70 4.71 4.72 5.02 5.33 5.64 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.75 4.71 4.83 5.07 5.42 5.64 5.69 5.94 6.09 6.09 6.09 6.09 6.09
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.75 4.75 4.88 5.14 5.45 5.69 5.94 6.09 6.09 6.09 6.09 6.09
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.80 4.96 5.22 5.58 5.92 5.97 6.09 6.09 6.09 6.09
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.82 2.87 2.94 3.00 3.06 3.11 3.17 3.23 3.31 3.37 3.58 3.64 3.74 3.78 3.87 3.92 4.03 4.33 4.33 4.33
40 0.00 2.47 2.82 2.87 2.94 3.00 3.06 3.11 3.17 3.23 3.31 3.37 3.64 3.74 3.78 3.87 3.92 4.03 4.33 4.33 4.33
41 0.00 2.51 2.48 2.82 2.87 2.94 3.00 3.06 3.11 3.17 3.25 3.31 3.37 3.74 3.78 3.87 3.92 4.03 4.33 4.33 4.33
42 0.00 2.58 2.54 2.58 2.82 2.87 2.94 3.00 3.06 3.11 3.25 3.25 3.31 3.37 3.78 3.87 3.92 4.03 4.33 4.33 4.33
43 0.00 2.65 2.61 2.58 2.65 2.82 2.89 3.01 3.00 3.06 3.29 3.26 3.25 3.31 3.37 3.87 3.92 4.03 4.33 4.33 4.33
44 0.00 2.71 2.67 2.63 2.65 2.71 2.94 2.99 3.04 3.04 3.34 3.31 3.28 3.25 3.31 3.37 3.92 4.03 4.33 4.33 4.33
45 0.00 2.87 2.78 2.68 2.68 2.73 2.94 3.01 3.04 3.08 3.31 3.35 3.32 3.29 3.27 3.31 3.50 4.03 4.33 4.33 4.33
46 0.00 2.99 2.89 2.80 2.73 2.73 2.96 2.99 3.07 3.11 3.24 3.37 3.36 3.33 3.30 3.31 3.54 3.51 4.33 4.33 4.33
47 0.00 2.98 3.02 2.95 2.83 2.75 2.98 3.01 3.04 3.11 3.20 3.40 3.40 3.37 3.35 3.35 3.57 3.55 3.53 4.33 4.33
48 0.00 3.10 3.27 3.06 2.95 2.87 2.99 3.03 3.07 3.11 3.24 3.48 3.45 3.42 3.39 3.38 3.62 3.59 3.56 3.53 4.33
49 0.00 3.11 3.12 3.27 3.11 3.00 3.14 3.05 3.10 3.12 3.17 3.49 3.48 3.45 3.42 3.42 3.65 3.63 3.61 3.58 3.56
50 0.00 3.16 3.16 3.17 3.30 3.13 3.15 3.19 3.11 3.14 3.19 3.37 3.56 3.63 3.63 3.69 3.85 4.00 4.15 4.27 4.27
51 0.00 0.00 3.21 3.21 3.22 3.33 3.17 3.18 3.24 3.15 3.20 3.37 3.42 3.66 3.67 3.73 3.77 3.90 4.07 4.24 4.27
52 0.00 0.00 0.00 3.25 3.25 3.27 3.38 3.23 3.25 3.30 3.19 3.37 3.63 3.66 3.74 3.77 3.81 3.87 3.99 4.15 4.27
53 0.00 0.00 0.00 0.00 3.32 3.32 3.33 3.44 3.28 3.29 3.36 3.37 3.42 3.63 3.66 3.81 3.85 3.87 3.94 4.07 4.24
54 0.00 0.00 0.00 0.00 0.00 3.40 3.40 3.40 3.49 3.34 3.36 3.47 3.42 3.62 3.63 3.66 3.88 3.96 3.99 4.02 4.15
55 0.00 0.00 0.00 0.00 0.00 0.00 3.44 3.44 3.45 3.52 3.40 3.45 3.49 3.63 3.62 3.63 3.68 4.00 4.02 4.02 4.11
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.46 3.47 3.49 3.52 3.74 3.69 3.64 3.63 3.62 3.93 3.91 4.07 4.11 4.11
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.86 4.07 3.84 3.83 3.76 3.80 3.74 3.91 3.98 4.00 4.15 4.15
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.86 4.07 3.91 3.89 3.84 3.89 3.91 3.96 3.98 4.00 4.24
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.86 4.07 4.00 3.94 3.90 3.96 3.96 3.96 3.98 4.04
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.86 4.07 4.07 4.12 4.04 4.04 3.97 3.96 3.98
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.76 3.86 4.07 4.17 4.14 4.09 4.13 4.01 3.96
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.01 4.11 4.33 4.28 4.20 4.20 4.21 4.01
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.01 4.11 4.33 4.34 4.28 4.25 4.23
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.01 4.11 4.33 4.43 4.38 4.33
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.02 4.12 4.34 4.51 4.46
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.28 4.37 4.51 4.58
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.37 4.47 4.71
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.37 4.47
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.37
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.76 4.76 4.76 4.90 4.90 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
50 4.66 4.76 4.76 4.90 4.90 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
51 4.56 4.71 4.76 4.90 4.90 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
52 4.47 4.66 4.71 4.90 4.90 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
53 4.38 4.56 4.71 4.86 4.90 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
54 4.33 4.47 4.66 4.81 4.86 5.20 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
55 4.24 4.42 4.56 4.72 4.86 5.10 5.20 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
56 4.19 4.33 4.47 4.66 4.81 5.00 5.15 5.40 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
57 4.19 4.24 4.42 4.56 4.72 4.89 5.10 5.24 5.50 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
58 4.24 4.28 4.33 4.47 4.66 4.79 5.00 5.18 5.27 5.60 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
59 4.28 4.33 4.38 4.42 4.56 4.74 4.89 5.08 5.18 5.27 5.65 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
60 4.36 4.38 4.41 4.42 4.47 4.64 4.79 4.97 5.08 5.18 5.31 5.65 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
61 4.33 4.40 4.46 4.51 4.51 4.58 4.74 4.87 4.97 5.08 5.18 5.38 5.65 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
62 4.32 4.37 4.40 4.53 4.58 4.58 4.64 4.81 4.89 5.00 5.09 5.20 5.48 5.65 5.65 5.79 5.79 5.79 5.79 5.79 5.79
63 4.32 4.36 4.37 4.40 4.64 4.68 4.69 4.71 4.81 4.89 5.00 5.09 5.31 5.53 5.65 5.79 5.79 5.79 5.79 5.79 5.79
64 4.40 4.40 4.40 4.41 4.44 4.72 4.77 4.77 4.79 4.82 4.89 5.00 5.15 5.38 5.59 5.79 5.79 5.79 5.79 5.79 5.79
65 4.44 4.45 4.40 4.40 4.41 4.76 4.82 4.82 4.84 4.88 4.87 4.89 5.03 5.26 5.48 5.68 5.79 5.79 5.79 5.79 5.79
66 4.57 4.53 4.53 4.46 4.40 4.77 4.80 4.89 4.91 4.93 4.92 4.88 4.89 5.09 5.31 5.56 5.74 5.79 5.79 5.79 5.79
67 4.68 4.64 4.59 4.62 4.46 4.75 4.77 4.85 4.94 4.99 4.96 4.92 4.88 4.97 5.15 5.40 5.62 5.74 5.79 5.79 5.79
68 4.71 4.73 4.71 4.67 4.66 4.75 4.79 4.77 4.85 5.05 5.07 5.03 4.99 4.97 5.03 5.22 5.45 5.68 5.74 5.79 5.79
69 4.47 4.71 4.83 4.80 4.75 4.80 4.76 4.79 4.77 4.85 5.14 5.09 5.04 5.00 4.97 5.11 5.34 5.56 5.74 5.74 5.79
70 4.38 4.48 4.72 4.89 4.88 4.85 4.85 4.82 4.93 5.01 5.11 5.14 5.09 5.04 5.00 5.04 5.11 5.34 5.56 5.74 5.74
71 0.00 4.64 4.73 4.90 5.00 4.96 4.95 4.90 4.92 5.02 5.13 5.16 5.14 5.09 5.04 5.00 5.05 5.11 5.34 5.56 5.74
72 0.00 0.00 4.74 4.85 5.11 5.12 5.05 5.00 5.02 5.01 5.15 5.17 5.16 5.14 5.09 5.04 5.05 5.11 5.11 5.34 5.56
73 0.00 0.00 0.00 4.74 4.85 5.11 5.28 5.14 5.13 5.10 5.12 5.15 5.23 5.19 5.15 5.10 5.11 5.11 5.16 5.16 5.34
74 0.00 0.00 0.00 0.00 4.74 4.85 5.11 5.33 5.22 5.19 5.19 5.16 5.19 5.23 5.19 5.15 5.15 5.16 5.16 5.22 5.27
75 0.00 0.00 0.00 0.00 0.00 4.83 4.95 5.20 5.36 5.30 5.25 5.25 5.22 5.22 5.23 5.19 5.18 5.24 5.22 5.22 5.22
76 0.00 0.00 0.00 0.00 0.00 0.00 4.90 5.04 5.30 5.44 5.40 5.30 5.30 5.31 5.29 5.29 5.22 5.26 5.26 5.27 5.27
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.16 5.29 5.57 5.55 5.48 5.43 5.37 5.38 5.38 5.29 5.22 5.26 5.26 5.27
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.16 5.29 5.57 5.61 5.56 5.50 5.45 5.46 5.38 5.29 5.22 5.26 5.26
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.16 5.29 5.57 5.68 5.59 5.59 5.56 5.46 5.38 5.29 5.22 5.30
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.16 5.29 5.57 5.75 5.71 5.68 5.56 5.46 5.38 5.29 5.36
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Single
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.79 5.79 5.79 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
71 5.74 5.79 5.79 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
72 5.74 5.74 5.79 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
73 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
74 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
75 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
76 5.24 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
77 5.27 5.24 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89 5.89
78 5.27 5.27 5.24 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89 5.89
79 5.26 5.27 5.27 5.24 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89 5.89
80 5.30 5.26 5.27 5.27 5.24 5.27 5.34 5.56 5.74 5.74 5.89 5.89 5.89 5.89 5.89
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.32 2.37 2.44 2.50 2.56 2.61 2.67 2.73 2.81 2.87 3.08 3.14 3.24 3.28 3.37 3.42 3.53 3.83 3.83 3.83
40 0.00 1.97 2.32 2.37 2.44 2.50 2.56 2.61 2.67 2.73 2.81 2.87 3.14 3.24 3.28 3.37 3.42 3.53 3.83 3.83 3.83
41 0.00 2.01 1.98 2.32 2.37 2.44 2.50 2.56 2.61 2.67 2.75 2.81 2.87 3.24 3.28 3.37 3.42 3.53 3.83 3.83 3.83
42 0.00 2.08 2.04 2.08 2.32 2.37 2.44 2.50 2.56 2.61 2.75 2.75 2.81 2.87 3.28 3.37 3.42 3.53 3.83 3.83 3.83
43 0.00 2.15 2.11 2.08 2.15 2.32 2.39 2.51 2.50 2.56 2.79 2.76 2.75 2.81 2.87 3.37 3.42 3.53 3.83 3.83 3.83
44 0.00 2.21 2.17 2.13 2.15 2.21 2.44 2.49 2.54 2.54 2.84 2.81 2.78 2.75 2.81 2.87 3.42 3.53 3.83 3.83 3.83
45 0.00 2.37 2.28 2.18 2.18 2.23 2.44 2.51 2.54 2.58 2.81 2.85 2.82 2.79 2.77 2.81 3.00 3.53 3.83 3.83 3.83
46 0.00 2.49 2.39 2.30 2.23 2.23 2.46 2.49 2.57 2.61 2.74 2.87 2.86 2.83 2.80 2.81 3.04 3.01 3.83 3.83 3.83
47 0.00 2.48 2.52 2.45 2.33 2.25 2.48 2.51 2.54 2.61 2.70 2.90 2.90 2.87 2.85 2.85 3.07 3.05 3.03 3.83 3.83
48 0.00 2.60 2.77 2.56 2.45 2.37 2.49 2.53 2.57 2.61 2.74 2.98 2.95 2.92 2.89 2.88 3.12 3.09 3.06 3.03 3.83
49 0.00 2.61 2.62 2.77 2.61 2.50 2.64 2.55 2.60 2.62 2.67 2.99 2.98 2.95 2.92 2.92 3.15 3.13 3.11 3.08 3.06
50 0.00 2.66 2.66 2.67 2.80 2.63 2.65 2.69 2.61 2.64 2.69 2.87 3.06 3.13 3.13 3.19 3.35 3.50 3.65 3.77 3.77
51 0.00 0.00 2.71 2.71 2.72 2.83 2.67 2.68 2.74 2.65 2.70 2.87 2.92 3.16 3.17 3.23 3.27 3.40 3.57 3.74 3.77
52 0.00 0.00 0.00 2.75 2.75 2.77 2.88 2.73 2.75 2.80 2.69 2.87 3.13 3.16 3.24 3.27 3.31 3.37 3.49 3.65 3.77
53 0.00 0.00 0.00 0.00 2.82 2.82 2.83 2.94 2.78 2.79 2.86 2.87 2.92 3.13 3.16 3.31 3.35 3.37 3.44 3.57 3.74
54 0.00 0.00 0.00 0.00 0.00 2.90 2.90 2.90 2.99 2.84 2.86 2.97 2.92 3.12 3.13 3.16 3.38 3.46 3.49 3.52 3.65
55 0.00 0.00 0.00 0.00 0.00 0.00 2.94 2.94 2.95 3.02 2.90 2.95 2.99 3.13 3.12 3.13 3.18 3.50 3.52 3.52 3.61
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.96 2.97 2.99 3.02 3.24 3.19 3.14 3.13 3.12 3.43 3.41 3.57 3.61 3.61
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26 3.36 3.57 3.34 3.33 3.26 3.30 3.24 3.41 3.48 3.50 3.65 3.65
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26 3.36 3.57 3.41 3.39 3.34 3.39 3.41 3.46 3.48 3.50 3.74
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26 3.36 3.57 3.50 3.44 3.40 3.46 3.46 3.46 3.48 3.54
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26 3.36 3.57 3.57 3.62 3.54 3.54 3.47 3.46 3.48
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26 3.36 3.57 3.67 3.64 3.59 3.63 3.51 3.46
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.51 3.61 3.83 3.78 3.70 3.70 3.71 3.51
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.51 3.61 3.83 3.84 3.78 3.75 3.73
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.51 3.61 3.83 3.93 3.88 3.83
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.52 3.62 3.84 4.01 3.96
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.78 3.87 4.01 4.08
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.87 3.97 4.21
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.87 3.97
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.87
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.26 4.26 4.26 4.40 4.40 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
50 4.16 4.26 4.26 4.40 4.40 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
51 4.06 4.21 4.26 4.40 4.40 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
52 3.97 4.16 4.21 4.40 4.40 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
53 3.88 4.06 4.21 4.36 4.40 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
54 3.83 3.97 4.16 4.31 4.36 4.70 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
55 3.74 3.92 4.06 4.22 4.36 4.60 4.70 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
56 3.69 3.83 3.97 4.16 4.31 4.50 4.65 4.90 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
57 3.69 3.74 3.92 4.06 4.22 4.39 4.60 4.74 5.00 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
58 3.74 3.78 3.83 3.97 4.16 4.29 4.50 4.68 4.77 5.10 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
59 3.78 3.83 3.88 3.92 4.06 4.24 4.39 4.58 4.68 4.77 5.15 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
60 3.86 3.88 3.91 3.92 3.97 4.14 4.29 4.47 4.58 4.68 4.81 5.15 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
61 3.83 3.90 3.96 4.01 4.01 4.08 4.24 4.37 4.47 4.58 4.68 4.88 5.15 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
62 3.82 3.87 3.90 4.03 4.08 4.08 4.14 4.31 4.39 4.50 4.59 4.70 4.98 5.15 5.15 5.29 5.29 5.29 5.29 5.29 5.29
63 3.82 3.86 3.87 3.90 4.14 4.18 4.19 4.21 4.31 4.39 4.50 4.59 4.81 5.03 5.15 5.29 5.29 5.29 5.29 5.29 5.29
64 3.90 3.90 3.90 3.91 3.94 4.22 4.27 4.27 4.29 4.32 4.39 4.50 4.65 4.88 5.09 5.29 5.29 5.29 5.29 5.29 5.29
65 3.94 3.95 3.90 3.90 3.91 4.26 4.32 4.32 4.34 4.38 4.37 4.39 4.53 4.76 4.98 5.18 5.29 5.29 5.29 5.29 5.29
66 4.07 4.03 4.03 3.96 3.90 4.27 4.30 4.39 4.41 4.43 4.42 4.38 4.39 4.59 4.81 5.06 5.24 5.29 5.29 5.29 5.29
67 4.18 4.14 4.09 4.12 3.96 4.25 4.27 4.35 4.44 4.49 4.46 4.42 4.38 4.47 4.65 4.90 5.12 5.24 5.29 5.29 5.29
68 4.21 4.23 4.21 4.17 4.16 4.25 4.29 4.27 4.35 4.55 4.57 4.53 4.49 4.47 4.53 4.72 4.95 5.18 5.24 5.29 5.29
69 3.97 4.21 4.33 4.30 4.25 4.30 4.26 4.29 4.27 4.35 4.64 4.59 4.54 4.50 4.47 4.61 4.84 5.06 5.24 5.24 5.29
70 3.88 3.98 4.22 4.39 4.38 4.35 4.35 4.32 4.43 4.51 4.61 4.64 4.59 4.54 4.50 4.54 4.61 4.84 5.06 5.24 5.24
71 0.00 4.14 4.23 4.40 4.50 4.46 4.45 4.40 4.42 4.52 4.63 4.66 4.64 4.59 4.54 4.50 4.55 4.61 4.84 5.06 5.24
72 0.00 0.00 4.24 4.35 4.61 4.62 4.55 4.50 4.52 4.51 4.65 4.67 4.66 4.64 4.59 4.54 4.55 4.61 4.61 4.84 5.06
73 0.00 0.00 0.00 4.24 4.35 4.61 4.78 4.64 4.63 4.60 4.62 4.65 4.73 4.69 4.65 4.60 4.61 4.61 4.66 4.66 4.84
74 0.00 0.00 0.00 0.00 4.24 4.35 4.61 4.83 4.72 4.69 4.69 4.66 4.69 4.73 4.69 4.65 4.65 4.66 4.66 4.72 4.77
75 0.00 0.00 0.00 0.00 0.00 4.33 4.45 4.70 4.86 4.80 4.75 4.75 4.72 4.72 4.73 4.69 4.68 4.74 4.72 4.72 4.72
76 0.00 0.00 0.00 0.00 0.00 0.00 4.40 4.54 4.80 4.94 4.90 4.80 4.80 4.81 4.79 4.79 4.72 4.76 4.76 4.77 4.77
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.66 4.79 5.07 5.05 4.98 4.93 4.87 4.88 4.88 4.79 4.72 4.76 4.76 4.77
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.66 4.79 5.07 5.11 5.06 5.00 4.95 4.96 4.88 4.79 4.72 4.76 4.76
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.66 4.79 5.07 5.18 5.09 5.09 5.06 4.96 4.88 4.79 4.72 4.80
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.66 4.79 5.07 5.25 5.21 5.18 5.06 4.96 4.88 4.79 4.86
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income, Care and Family Protection: Tomorrow Coverage Option: Spousal
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.29 5.29 5.29 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
71 5.24 5.29 5.29 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
72 5.24 5.24 5.29 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
73 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
74 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
75 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
76 4.74 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
77 4.77 4.74 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39 5.39
78 4.77 4.77 4.74 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39 5.39
79 4.76 4.77 4.77 4.74 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39 5.39
80 4.80 4.76 4.77 4.77 4.74 4.77 4.84 5.06 5.24 5.24 5.39 5.39 5.39 5.39 5.39
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Today Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 3.49 3.54 3.58 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.33 4.36 4.38 4.38 4.39 4.75 4.76 4.78 4.78 4.82
41 0.00 3.49 3.54 3.58 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.41 4.36 4.38 4.38 4.39 4.75 4.76 4.78 4.78 4.82
42 0.00 3.49 3.54 3.58 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.48 4.42 4.38 4.38 4.39 4.75 4.76 4.78 4.78 4.82
43 0.00 3.44 3.53 3.58 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.50 4.48 4.42 4.38 4.39 4.75 4.76 4.78 4.78 4.82
44 0.00 3.35 3.46 3.57 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.48 4.42 4.39 4.75 4.76 4.78 4.78 4.82
45 0.00 3.37 3.44 3.48 3.64 3.70 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.48 4.46 4.75 4.76 4.78 4.78 4.82
46 0.00 3.29 3.39 3.46 3.54 3.70 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.83 4.76 4.78 4.78 4.82
47 0.00 3.06 3.33 3.45 3.50 3.57 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.78 4.78 4.82
48 0.00 3.35 3.37 3.37 3.45 3.55 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.78 4.82
49 0.00 3.33 3.38 3.38 3.42 3.51 3.74 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.82
50 0.00 2.97 3.36 3.40 3.39 3.45 3.70 3.79 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
51 0.00 0.00 3.05 3.36 3.40 3.42 3.49 3.73 3.84 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
52 0.00 0.00 0.00 3.13 3.36 3.40 3.48 3.56 3.82 3.88 4.10 4.50 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
53 0.00 0.00 0.00 0.00 3.21 3.36 3.40 3.54 3.62 3.85 4.10 4.39 4.50 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
54 0.00 0.00 0.00 0.00 0.00 3.30 3.37 3.43 3.59 3.68 3.92 4.30 4.45 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
55 0.00 0.00 0.00 0.00 0.00 0.00 3.47 3.55 3.63 3.62 3.75 4.04 4.33 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.54 3.64 3.71 3.63 4.12 4.32 4.50 4.50 4.50 4.84 4.84 4.84 4.84 4.92
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.63 3.69 3.93 3.96 4.21 4.41 4.50 4.50 4.84 4.84 4.84 4.84 4.92
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.71 3.77 4.12 4.03 4.30 4.41 4.50 4.84 4.84 4.84 4.84 4.92
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.92 3.86 4.20 4.11 4.35 4.41 4.84 4.84 4.84 4.84 4.92
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.08 3.94 4.27 4.18 4.41 4.73 4.84 4.84 4.84 4.92
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.18 4.04 4.28 4.30 4.57 4.75 4.84 4.84 4.92
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.27 4.08 4.33 4.42 4.64 4.75 4.84 4.92
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.30 4.22 4.40 4.46 4.72 4.75 4.92
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.41 4.31 4.40 4.56 4.75 4.82
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.42 4.40 4.40 4.65 4.82
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.45 4.43 4.46 4.72
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.45 4.50 4.54
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.49 4.59
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.54
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Today Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 5.28 5.28 5.42 5.47 5.47 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
65 5.18 5.28 5.42 5.47 5.47 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
66 5.05 5.18 5.42 5.47 5.47 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
67 4.82 5.11 5.30 5.47 5.47 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
68 4.67 4.87 5.19 5.36 5.47 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
69 4.68 4.72 4.97 5.29 5.36 5.72 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
70 4.66 4.77 4.80 5.05 5.36 5.60 5.72 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
71 0.00 4.74 4.85 4.88 5.14 5.47 5.60 5.72 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
72 0.00 0.00 4.83 4.94 4.97 5.27 5.57 5.60 5.84 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
73 0.00 0.00 0.00 4.91 5.04 5.10 5.45 5.60 5.73 5.89 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
74 0.00 0.00 0.00 0.00 4.96 5.12 5.38 5.49 5.73 5.78 6.28 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
75 0.00 0.00 0.00 0.00 0.00 5.08 5.29 5.38 5.51 5.78 6.15 6.28 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
76 0.00 0.00 0.00 0.00 0.00 0.00 5.34 5.39 5.38 5.60 5.94 6.22 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.39 5.40 5.41 5.72 6.05 6.37 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.44 5.40 5.52 5.78 6.14 6.37 6.42 6.67 6.83 6.83 6.83 6.83 6.83
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.44 5.45 5.57 5.85 6.17 6.42 6.67 6.83 6.83 6.83 6.83 6.83
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.50 5.50 5.65 5.92 6.29 6.65 6.71 6.83 6.83 6.83 6.83
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83 6.83
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Today Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐40 0.00 2.99 3.04 3.08 3.14 3.20 3.24 3.29 3.34 3.38 3.60 3.83 3.86 3.88 3.88 3.89 4.25 4.26 4.28 4.28 4.32
41 0.00 2.99 3.04 3.08 3.14 3.20 3.24 3.29 3.34 3.38 3.60 3.91 3.86 3.88 3.88 3.89 4.25 4.26 4.28 4.28 4.32
42 0.00 2.99 3.04 3.08 3.14 3.20 3.24 3.29 3.34 3.38 3.60 3.98 3.92 3.88 3.88 3.89 4.25 4.26 4.28 4.28 4.32
43 0.00 2.94 3.03 3.08 3.14 3.20 3.24 3.29 3.34 3.38 3.60 4.00 3.98 3.92 3.88 3.89 4.25 4.26 4.28 4.28 4.32
44 0.00 2.85 2.96 3.07 3.14 3.20 3.24 3.29 3.34 3.38 3.60 4.00 4.00 3.98 3.92 3.89 4.25 4.26 4.28 4.28 4.32
45 0.00 2.87 2.94 2.98 3.14 3.20 3.24 3.29 3.34 3.38 3.60 4.00 4.00 4.00 3.98 3.96 4.25 4.26 4.28 4.28 4.32
46 0.00 2.79 2.89 2.96 3.04 3.20 3.24 3.29 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.33 4.26 4.28 4.28 4.32
47 0.00 2.56 2.83 2.95 3.00 3.07 3.24 3.29 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.28 4.28 4.32
48 0.00 2.85 2.87 2.87 2.95 3.05 3.24 3.29 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.28 4.32
49 0.00 2.83 2.88 2.88 2.92 3.01 3.24 3.29 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.32
50 0.00 2.47 2.86 2.90 2.89 2.95 3.20 3.29 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
51 0.00 0.00 2.55 2.86 2.90 2.92 2.99 3.23 3.34 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
52 0.00 0.00 0.00 2.63 2.86 2.90 2.98 3.06 3.32 3.38 3.60 4.00 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
53 0.00 0.00 0.00 0.00 2.71 2.86 2.90 3.04 3.12 3.35 3.60 3.89 4.00 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
54 0.00 0.00 0.00 0.00 0.00 2.80 2.87 2.93 3.09 3.18 3.42 3.80 3.95 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
55 0.00 0.00 0.00 0.00 0.00 0.00 2.97 3.05 3.13 3.12 3.25 3.54 3.83 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.04 3.14 3.21 3.13 3.62 3.82 4.00 4.00 4.00 4.34 4.34 4.34 4.34 4.42
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.13 3.19 3.43 3.46 3.71 3.91 4.00 4.00 4.34 4.34 4.34 4.34 4.42
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.21 3.27 3.62 3.53 3.80 3.91 4.00 4.34 4.34 4.34 4.34 4.42
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.42 3.36 3.70 3.61 3.85 3.91 4.34 4.34 4.34 4.34 4.42
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.58 3.44 3.77 3.68 3.91 4.23 4.34 4.34 4.34 4.42
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.68 3.54 3.78 3.80 4.07 4.25 4.34 4.34 4.42
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.77 3.58 3.83 3.92 4.14 4.25 4.34 4.42
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.80 3.72 3.90 3.96 4.22 4.25 4.42
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.91 3.81 3.90 4.06 4.25 4.32
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.92 3.90 3.90 4.15 4.32
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.95 3.93 3.96 4.22
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.95 4.00 4.04
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.99 4.09
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.04
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Today Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐64 4.78 4.78 4.92 4.97 4.97 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
65 4.68 4.78 4.92 4.97 4.97 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
66 4.55 4.68 4.92 4.97 4.97 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
67 4.32 4.61 4.80 4.97 4.97 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
68 4.17 4.37 4.69 4.86 4.97 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
69 4.18 4.22 4.47 4.79 4.86 5.22 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
70 4.16 4.27 4.30 4.55 4.86 5.10 5.22 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
71 0.00 4.24 4.35 4.38 4.64 4.97 5.10 5.22 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
72 0.00 0.00 4.33 4.44 4.47 4.77 5.07 5.10 5.34 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
73 0.00 0.00 0.00 4.41 4.54 4.60 4.95 5.10 5.23 5.39 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
74 0.00 0.00 0.00 0.00 4.46 4.62 4.88 4.99 5.23 5.28 5.78 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
75 0.00 0.00 0.00 0.00 0.00 4.58 4.79 4.88 5.01 5.28 5.65 5.78 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
76 0.00 0.00 0.00 0.00 0.00 0.00 4.84 4.89 4.88 5.10 5.44 5.72 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.89 4.90 4.91 5.22 5.55 5.87 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.94 4.90 5.02 5.28 5.64 5.87 5.92 6.17 6.33 6.33 6.33 6.33 6.33
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.94 4.95 5.07 5.35 5.67 5.92 6.17 6.33 6.33 6.33 6.33 6.33
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.00 5.00 5.15 5.42 5.79 6.15 6.21 6.33 6.33 6.33 6.33
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
Issue Age of YCP* 0‐80 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33 6.33
Attained Age of Youngest Covered PersonIssue Age
of Youngest Covered Person
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Single
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.32 3.40 3.46 3.68 3.74 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
40 0.00 2.53 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.32 3.40 3.46 3.74 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
41 0.00 2.59 2.55 2.89 2.96 3.02 3.08 3.14 3.20 3.25 3.35 3.40 3.46 3.83 3.88 3.99 4.03 4.14 4.44 4.44 4.44
42 0.00 2.65 2.62 2.65 2.89 2.96 3.02 3.08 3.14 3.20 3.35 3.35 3.40 3.46 3.88 3.99 4.03 4.14 4.44 4.44 4.44
43 0.00 2.72 2.67 2.65 2.72 2.89 2.98 3.09 3.08 3.14 3.38 3.35 3.35 3.40 3.46 3.99 4.03 4.14 4.44 4.44 4.44
44 0.00 2.78 2.74 2.70 2.72 2.78 3.02 3.06 3.12 3.12 3.43 3.40 3.37 3.35 3.40 3.46 4.03 4.14 4.44 4.44 4.44
45 0.00 2.96 2.85 2.75 2.75 2.81 3.02 3.09 3.12 3.16 3.40 3.43 3.41 3.38 3.36 3.40 3.61 4.14 4.44 4.44 4.44
46 0.00 3.06 2.98 2.87 2.80 2.80 3.04 3.06 3.15 3.19 3.33 3.46 3.44 3.42 3.39 3.40 3.64 3.62 4.44 4.44 4.44
47 0.00 3.05 3.10 3.03 2.90 2.83 3.05 3.09 3.12 3.19 3.29 3.49 3.49 3.46 3.43 3.43 3.67 3.65 3.63 4.44 4.44
48 0.00 3.18 3.36 3.14 3.03 2.96 3.07 3.11 3.15 3.20 3.33 3.57 3.54 3.51 3.48 3.47 3.71 3.69 3.66 3.63 4.44
49 0.00 3.20 3.21 3.37 3.19 3.08 3.23 3.13 3.18 3.21 3.25 3.58 3.65 3.64 3.61 3.60 3.75 3.73 3.70 3.67 3.66
50 0.00 3.24 3.24 3.25 3.39 3.22 3.23 3.28 3.19 3.23 3.28 3.45 3.66 3.72 3.73 3.79 3.96 4.10 4.26 4.40 4.40
51 0.00 0.00 3.30 3.30 3.31 3.42 3.25 3.27 3.34 3.23 3.29 3.46 3.51 3.76 3.77 3.82 3.87 4.02 4.18 4.36 4.40
52 0.00 0.00 0.00 3.35 3.35 3.36 3.47 3.32 3.35 3.39 3.28 3.46 3.73 3.76 3.83 3.87 3.91 3.98 4.09 4.26 4.40
53 0.00 0.00 0.00 0.00 3.41 3.41 3.42 3.53 3.37 3.38 3.44 3.46 3.51 3.73 3.76 3.91 3.96 3.98 4.05 4.18 4.36
54 0.00 0.00 0.00 0.00 0.00 3.49 3.49 3.49 3.58 3.43 3.44 3.56 3.51 3.71 3.73 3.76 4.00 4.06 4.09 4.13 4.26
55 0.00 0.00 0.00 0.00 0.00 0.00 3.53 3.53 3.54 3.63 3.49 3.54 3.59 3.72 3.71 3.73 3.78 4.10 4.13 4.13 4.21
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.55 3.56 3.58 3.63 3.83 3.79 3.74 3.72 3.71 4.04 4.02 4.18 4.21 4.21
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 3.94 3.93 3.86 3.90 3.83 4.02 4.08 4.10 4.26 4.26
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.02 4.01 3.94 4.01 4.02 4.06 4.08 4.10 4.36
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.10 4.05 4.02 4.06 4.06 4.06 4.08 4.15
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.18 4.22 4.15 4.15 4.07 4.06 4.08
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.86 3.97 4.18 4.28 4.25 4.20 4.24 4.12 4.06
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.41 4.32 4.32 4.33 4.12
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.45 4.41 4.37 4.35
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.12 4.21 4.44 4.55 4.49 4.44
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.13 4.22 4.45 4.62 4.58
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.41 4.48 4.64 4.71
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48 4.59 4.83
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48 4.59
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.48
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Single
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.88 4.88 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
50 4.79 4.88 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
51 4.69 4.83 4.88 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
52 4.59 4.79 4.83 5.04 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
53 4.49 4.69 4.83 5.00 5.04 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
54 4.44 4.59 4.79 4.94 5.00 5.35 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
55 4.36 4.54 4.69 4.84 5.00 5.23 5.35 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
56 4.31 4.44 4.59 4.79 4.94 5.13 5.29 5.55 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
57 4.31 4.36 4.54 4.69 4.84 5.03 5.23 5.39 5.64 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
58 4.36 4.41 4.44 4.59 4.79 4.92 5.13 5.33 5.42 5.76 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
59 4.41 4.44 4.49 4.54 4.69 4.86 5.03 5.21 5.33 5.42 5.80 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
60 4.47 4.49 4.53 4.54 4.59 4.76 4.92 5.11 5.21 5.33 5.46 5.80 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
61 4.44 4.52 4.58 4.62 4.64 4.71 4.86 5.00 5.11 5.21 5.33 5.52 5.80 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
62 4.43 4.48 4.52 4.66 4.71 4.71 4.76 4.94 5.03 5.13 5.22 5.35 5.62 5.80 5.80 5.95 5.95 5.95 5.95 5.95 5.95
63 4.43 4.47 4.48 4.52 4.76 4.80 4.81 4.83 4.94 5.03 5.13 5.22 5.46 5.69 5.80 5.95 5.95 5.95 5.95 5.95 5.95
64 4.52 4.52 4.52 4.53 4.56 4.84 4.89 4.89 4.92 4.95 5.03 5.13 5.28 5.52 5.75 5.95 5.95 5.95 5.95 5.95 5.95
65 4.56 4.57 4.52 4.52 4.53 4.88 4.95 4.95 4.97 5.01 5.00 5.03 5.17 5.40 5.62 5.83 5.95 5.95 5.95 5.95 5.95
66 4.70 4.66 4.66 4.58 4.52 4.89 4.93 5.03 5.05 5.07 5.06 5.01 5.03 5.22 5.46 5.72 5.89 5.95 5.95 5.95 5.95
67 4.80 4.76 4.72 4.75 4.58 4.87 4.89 4.99 5.08 5.12 5.10 5.06 5.01 5.11 5.28 5.54 5.78 5.89 5.95 5.95 5.95
68 4.83 4.85 4.83 4.80 4.79 4.87 4.92 4.89 4.99 5.19 5.20 5.17 5.12 5.11 5.17 5.37 5.59 5.83 5.89 5.95 5.95
69 4.59 4.83 4.96 4.93 4.87 4.93 4.88 4.92 4.89 4.99 5.27 5.22 5.17 5.12 5.11 5.24 5.48 5.72 5.89 5.89 5.95
70 4.49 4.60 4.84 5.03 5.01 4.99 4.99 4.95 5.07 5.14 5.24 5.27 5.22 5.17 5.12 5.18 5.24 5.48 5.72 5.89 5.89
71 0.00 4.77 4.85 5.04 5.13 5.10 5.09 5.04 5.06 5.16 5.26 5.29 5.27 5.22 5.17 5.12 5.19 5.24 5.48 5.72 5.89
72 0.00 0.00 4.86 4.99 5.24 5.25 5.19 5.13 5.16 5.14 5.29 5.31 5.29 5.27 5.22 5.17 5.19 5.24 5.24 5.48 5.72
73 0.00 0.00 0.00 4.86 4.99 5.24 5.43 5.27 5.26 5.23 5.25 5.29 5.38 5.34 5.29 5.24 5.24 5.24 5.30 5.30 5.48
74 0.00 0.00 0.00 0.00 4.86 4.99 5.24 5.47 5.37 5.34 5.34 5.30 5.34 5.38 5.34 5.29 5.28 5.30 5.30 5.37 5.42
75 0.00 0.00 0.00 0.00 0.00 4.96 5.09 5.35 5.50 5.45 5.39 5.39 5.37 5.37 5.38 5.34 5.33 5.39 5.37 5.37 5.37
76 0.00 0.00 0.00 0.00 0.00 0.00 5.04 5.18 5.45 5.58 5.54 5.45 5.45 5.46 5.44 5.44 5.37 5.40 5.40 5.42 5.42
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.71 5.62 5.58 5.51 5.52 5.52 5.44 5.37 5.40 5.40 5.42
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.77 5.72 5.64 5.59 5.60 5.52 5.44 5.37 5.40 5.40
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.83 5.75 5.75 5.72 5.60 5.52 5.44 5.37 5.46
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.30 5.44 5.73 5.90 5.86 5.83 5.72 5.60 5.52 5.44 5.51
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Single
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.95 5.95 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
71 5.89 5.95 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
72 5.89 5.89 5.95 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
73 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
74 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
75 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
76 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
77 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05 6.05
78 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05 6.05
79 5.40 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05 6.05
80 5.46 5.41 5.42 5.42 5.39 5.42 5.48 5.72 5.89 5.89 6.05 6.05 6.05 6.05 6.05
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Spousal
0‐49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
0‐39 0.00 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.82 2.90 2.96 3.18 3.24 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
40 0.00 2.03 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.82 2.90 2.96 3.24 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
41 0.00 2.09 2.05 2.39 2.46 2.52 2.58 2.64 2.70 2.75 2.85 2.90 2.96 3.33 3.38 3.49 3.53 3.64 3.94 3.94 3.94
42 0.00 2.15 2.12 2.15 2.39 2.46 2.52 2.58 2.64 2.70 2.85 2.85 2.90 2.96 3.38 3.49 3.53 3.64 3.94 3.94 3.94
43 0.00 2.22 2.17 2.15 2.22 2.39 2.48 2.59 2.58 2.64 2.88 2.85 2.85 2.90 2.96 3.49 3.53 3.64 3.94 3.94 3.94
44 0.00 2.28 2.24 2.20 2.22 2.28 2.52 2.56 2.62 2.62 2.93 2.90 2.87 2.85 2.90 2.96 3.53 3.64 3.94 3.94 3.94
45 0.00 2.46 2.35 2.25 2.25 2.31 2.52 2.59 2.62 2.66 2.90 2.93 2.91 2.88 2.86 2.90 3.11 3.64 3.94 3.94 3.94
46 0.00 2.56 2.48 2.37 2.30 2.30 2.54 2.56 2.65 2.69 2.83 2.96 2.94 2.92 2.89 2.90 3.14 3.12 3.94 3.94 3.94
47 0.00 2.55 2.60 2.53 2.40 2.33 2.55 2.59 2.62 2.69 2.79 2.99 2.99 2.96 2.93 2.93 3.17 3.15 3.13 3.94 3.94
48 0.00 2.68 2.86 2.64 2.53 2.46 2.57 2.61 2.65 2.70 2.83 3.07 3.04 3.01 2.98 2.97 3.21 3.19 3.16 3.13 3.94
49 0.00 2.70 2.71 2.87 2.69 2.58 2.73 2.63 2.68 2.71 2.75 3.08 3.15 3.14 3.11 3.10 3.25 3.23 3.20 3.17 3.16
50 0.00 2.74 2.74 2.75 2.89 2.72 2.73 2.78 2.69 2.73 2.78 2.95 3.16 3.22 3.23 3.29 3.46 3.60 3.76 3.90 3.90
51 0.00 0.00 2.80 2.80 2.81 2.92 2.75 2.77 2.84 2.73 2.79 2.96 3.01 3.26 3.27 3.32 3.37 3.52 3.68 3.86 3.90
52 0.00 0.00 0.00 2.85 2.85 2.86 2.97 2.82 2.85 2.89 2.78 2.96 3.23 3.26 3.33 3.37 3.41 3.48 3.59 3.76 3.90
53 0.00 0.00 0.00 0.00 2.91 2.91 2.92 3.03 2.87 2.88 2.94 2.96 3.01 3.23 3.26 3.41 3.46 3.48 3.55 3.68 3.86
54 0.00 0.00 0.00 0.00 0.00 2.99 2.99 2.99 3.08 2.93 2.94 3.06 3.01 3.21 3.23 3.26 3.50 3.56 3.59 3.63 3.76
55 0.00 0.00 0.00 0.00 0.00 0.00 3.03 3.03 3.04 3.13 2.99 3.04 3.09 3.22 3.21 3.23 3.28 3.60 3.63 3.63 3.71
56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.05 3.06 3.08 3.13 3.33 3.29 3.24 3.22 3.21 3.54 3.52 3.68 3.71 3.71
57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.44 3.43 3.36 3.40 3.33 3.52 3.58 3.60 3.76 3.76
58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.52 3.51 3.44 3.51 3.52 3.56 3.58 3.60 3.86
59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.60 3.55 3.52 3.56 3.56 3.56 3.58 3.65
60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.68 3.72 3.65 3.65 3.57 3.56 3.58
61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.36 3.47 3.68 3.78 3.75 3.70 3.74 3.62 3.56
62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 3.91 3.82 3.82 3.83 3.62
63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 3.95 3.91 3.87 3.85
64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 3.71 3.94 4.05 3.99 3.94
65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.63 3.72 3.95 4.12 4.08
66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.91 3.98 4.14 4.21
67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98 4.09 4.33
68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98 4.09
69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.98
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Spousal
70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0‐49 4.38 4.38 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
50 4.29 4.38 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
51 4.19 4.33 4.38 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
52 4.09 4.29 4.33 4.54 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
53 3.99 4.19 4.33 4.50 4.54 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
54 3.94 4.09 4.29 4.44 4.50 4.85 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
55 3.86 4.04 4.19 4.34 4.50 4.73 4.85 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
56 3.81 3.94 4.09 4.29 4.44 4.63 4.79 5.05 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
57 3.81 3.86 4.04 4.19 4.34 4.53 4.73 4.89 5.14 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
58 3.86 3.91 3.94 4.09 4.29 4.42 4.63 4.83 4.92 5.26 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
59 3.91 3.94 3.99 4.04 4.19 4.36 4.53 4.71 4.83 4.92 5.30 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
60 3.97 3.99 4.03 4.04 4.09 4.26 4.42 4.61 4.71 4.83 4.96 5.30 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
61 3.94 4.02 4.08 4.12 4.14 4.21 4.36 4.50 4.61 4.71 4.83 5.02 5.30 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
62 3.93 3.98 4.02 4.16 4.21 4.21 4.26 4.44 4.53 4.63 4.72 4.85 5.12 5.30 5.30 5.45 5.45 5.45 5.45 5.45 5.45
63 3.93 3.97 3.98 4.02 4.26 4.30 4.31 4.33 4.44 4.53 4.63 4.72 4.96 5.19 5.30 5.45 5.45 5.45 5.45 5.45 5.45
64 4.02 4.02 4.02 4.03 4.06 4.34 4.39 4.39 4.42 4.45 4.53 4.63 4.78 5.02 5.25 5.45 5.45 5.45 5.45 5.45 5.45
65 4.06 4.07 4.02 4.02 4.03 4.38 4.45 4.45 4.47 4.51 4.50 4.53 4.67 4.90 5.12 5.33 5.45 5.45 5.45 5.45 5.45
66 4.20 4.16 4.16 4.08 4.02 4.39 4.43 4.53 4.55 4.57 4.56 4.51 4.53 4.72 4.96 5.22 5.39 5.45 5.45 5.45 5.45
67 4.30 4.26 4.22 4.25 4.08 4.37 4.39 4.49 4.58 4.62 4.60 4.56 4.51 4.61 4.78 5.04 5.28 5.39 5.45 5.45 5.45
68 4.33 4.35 4.33 4.30 4.29 4.37 4.42 4.39 4.49 4.69 4.70 4.67 4.62 4.61 4.67 4.87 5.09 5.33 5.39 5.45 5.45
69 4.09 4.33 4.46 4.43 4.37 4.43 4.38 4.42 4.39 4.49 4.77 4.72 4.67 4.62 4.61 4.74 4.98 5.22 5.39 5.39 5.45
70 3.99 4.10 4.34 4.53 4.51 4.49 4.49 4.45 4.57 4.64 4.74 4.77 4.72 4.67 4.62 4.68 4.74 4.98 5.22 5.39 5.39
71 0.00 4.27 4.35 4.54 4.63 4.60 4.59 4.54 4.56 4.66 4.76 4.79 4.77 4.72 4.67 4.62 4.69 4.74 4.98 5.22 5.39
72 0.00 0.00 4.36 4.49 4.74 4.75 4.69 4.63 4.66 4.64 4.79 4.81 4.79 4.77 4.72 4.67 4.69 4.74 4.74 4.98 5.22
73 0.00 0.00 0.00 4.36 4.49 4.74 4.93 4.77 4.76 4.73 4.75 4.79 4.88 4.84 4.79 4.74 4.74 4.74 4.80 4.80 4.98
74 0.00 0.00 0.00 0.00 4.36 4.49 4.74 4.97 4.87 4.84 4.84 4.80 4.84 4.88 4.84 4.79 4.78 4.80 4.80 4.87 4.92
75 0.00 0.00 0.00 0.00 0.00 4.46 4.59 4.85 5.00 4.95 4.89 4.89 4.87 4.87 4.88 4.84 4.83 4.89 4.87 4.87 4.87
76 0.00 0.00 0.00 0.00 0.00 0.00 4.54 4.68 4.95 5.08 5.04 4.95 4.95 4.96 4.94 4.94 4.87 4.90 4.90 4.92 4.92
77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.21 5.12 5.08 5.01 5.02 5.02 4.94 4.87 4.90 4.90 4.92
78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.27 5.22 5.14 5.09 5.10 5.02 4.94 4.87 4.90 4.90
79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.33 5.25 5.25 5.22 5.10 5.02 4.94 4.87 4.96
80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.80 4.94 5.23 5.40 5.36 5.33 5.22 5.10 5.02 4.94 5.01
Attained Age of Youngest Covered Person
Issue Age
of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Annual Benefit Amount Percentages
Product: PPCRider: Income and Family Protection: Tomorrow Coverage Option: Spousal
91 92 93 94 95 96 97 98 99 100 101 102 103 104 105
0‐70 5.45 5.45 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
71 5.39 5.45 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
72 5.39 5.39 5.45 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
73 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
74 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
75 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
76 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
77 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55 5.55
78 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55 5.55
79 4.90 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55 5.55
80 4.96 4.91 4.92 4.92 4.89 4.92 4.98 5.22 5.39 5.39 5.55 5.55 5.55 5.55 5.55
Issue Age
of YCP*
Attained Age of Youngest Covered Person
The Annual Benefit Amount Percentage remains fixed once guaranteed withdrawals begin.
* YCP stands for Youngest Covered Person.
Lifetime payments and guarantees are based on the claims paying ability of Nassau Life and Annuity Company and PHL Variable Insurance Company.Annuities are long-term investment vehicles particularly suitable for retirement assets. Annuities held within qualified plans do not provide any additional tax benefit. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax, and if taken prior to age 591⁄2, a 10% IRS penalty may also apply.The information in this material is supplemental and is intended to be preceded or accompanied by Annuity product information.Nassau Personal Protection Choice (19FIA, ICC19EIAN and 19RN) is issued by Nassau Life and Annuity Company (Hartford, CT). Nassau Life and Annuity Company is not authorized to conduct business in CA, GA, MA, ME, MN and NY, but that is subject to change. Please check with your financial professional for state-specific issuing company information. Phoenix Personal Protection Choice (ICC09EIAN, 10FIA, and 10RN) is issued by PHL Variable Insurance Company (Hartford, CT). PHL Variable Insurance Company is not authorized to conduct business in ME and NY. Nassau Life and Annuity Company and PHL Variable Insurance Company are subsidiaries of Nassau Re.A5109_PPC Nassau Re® is a registered trademark by Nassau Reinsurance LLC. ©2019 Nassau ReOL4821 BPD39883 9-19
WITH A TRADITION DATING TO 1851, NASSAU RE HELPS PEOPLE PROTECT THEIR FAMILIES AND PROVIDE FOR THE INCOME THEY WILL NEED IN RETIREMENT. AND, AS NEEDS CHANGE, WE ARE RIGHT THERE WITH NEW SOLUTIONS.