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*Optional lifetime income benefit riders are used to calculate lifetime payments only and not available for cash
surrender or in a death benefit unless specified in the annuity contract. Product information such as
Surrender Yields, Premiums, Riders, Fees and Withdrawal provisions vary by product and
by state, and will be provided by a licensed Annuity Agent. You should read all insurance contract
disclosures carefully before making a purchase. This information does not represent tax, legal, or investment advice.

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