|  | 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 |