Death bene昀椀t options Your Protective Aspirations variable annuity death bene昀椀t provides an e昀케cient way to protect your loved ones. It can allow you to leave a legacy for your bene昀椀ciaries without the complications of extra costs and delays associated with probate. Since your retirement goals are uniquely your own, we o昀昀er four death bene昀椀t options so you can decide which works best for your situation. Our standard death bene昀椀t is included at no extra cost. Alternatively, you may select one of three enhanced death bene昀椀ts to potentially increase the amount available to your bene昀椀ciaries: • Return of Purchase Payments death bene昀椀t • Maximum Annual Value death bene昀椀t • Maximum Quarterly Value death bene昀椀t Key di昀昀erences between each option Availability ages Contract value lock-in Cost Standard return of 0‑85 N/A Included account value Return of purchase 0‑85 N/A 0.20% (annualized) payments Maximum Anniversary 0‑77 Annually 0.35% (annualized) Value death bene昀椀t Maximum Quarterly 0‑77 Quarterly 0.40% (annualized) Value death bene昀椀t 1