Pros:
- 10% bonus on 1st year premium
- Excellent Lifetime Benefit rider options
- Additional Coupon rate is added to 10-Year U.S. Treasury Bond Index Value
- Fixed rate option available
- Confinement and terminal illness waiver for clients under 75 at issue
- No market value adjustment (MVA) fees
- Caps and participation rates are subject to change by the end of each term period
- Not available in all states, not offered in AK, CT, DE, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA