Rider Changes Effective April 21 Due to the persistently low interest rate environment, the following changes will be effective on April 21, 2015:

•  IncomeSecure – income rider
  • The rollup credit is changing to 9% from 10%
  • The annual charge is increasing to 0.95%

•  Inheritance Enhancer – death benefit rider
  • The rollup credit is changing to 8% from 9%
  • The annual charge is increasing to 0.95%

•  IncomeSustainer Plus – income and death benefit rider
  • The rollup credit is changing to 7% from 8%
  • The annual charge is increasing to 1.35%

Income percentages for the IncomeSecure and IncomeSustainer Plus will remain the same. For complete rider details, click here. New Business Notes In order to receive current rider benefits, applications must be signed by April 20, 2015 and received by April 27, 2015. All funds must be received in the Home Office by June 5, 2015.