|   | 
                Lifetime income your clients can't outlive | 
              
               
                |   | 
                Up to 100 percent return of remaining premium on cancellation | 
              
               
                |   | 
                100 percent return of remaining premium for terminal illness  | 
              
               
                |   | 
                100 percent return of remaining premium at death | 
              
               
                
                   Plus 
                  Pays double the amount of remaining premium if 
                  the annuitant dies in a common carrier accident 
                    
                 | 
              
               
                | Optional features | 
              
               
                |   | 
                Up to 20 percent payment increase 
                  with the Payment Enhancement Risk Class (PERC) for impaired 
                  risk conditions | 
              
               
                |   | 
                3 percent inflation protection | 
              
               
                |   | 
                50 percent increase for nursing home confinement | 
              
               
                |   | 
                Survivor continuation option | 
              
               
                |   | 
                Guaranteed minimum death benefit |