Bonus	Explanation
.35% Bon w/ Rider+MVA	Initial premium receives a .35% bonus with XL Rider which allows a MVA adjustment for ten years.
.50% Yr1/1% All Yrs Prem	Two bonus options: if contract year one premiums received equal $25,000, a .50% bonus is credited; all new premium receive a 1.00% bonus for one year.
1st 6 Mos Premium	New premiums contributed during the first six months of the contract receive a bonus.
4% PremBon Yrs 2-5	New Premiums contributed during contract years two through five receive a 4% premium bonus.
4% Yr1 5% Y2-5	New premiums contributed during the first contract year only receive an 4% bonus. New premiums contributed during contract years two through five receive a 5% bonus.
8% Yr1 5% Y2-5	New premiums contributed during the first contract year only receive an 8% bonus. New premiums contributed during contract years two through five receive a 5% bonus.
All New Premium	All new premiums receive the bonus.
Init Prem Yr1 Only	Initial premium receives a bonus for the first contract year and the contract is credited with the base rate contract years two through five. If the contract is surrendered in the first ten contract years, the minimum guarantee rates will apply.
Init Y1-5 w/ Ren Y6-10	Initial premium receives a bonus guarantee for the first five contract years. If the Guaranteed Renewal Option is chosen at the end of the fifth contract year, the bonus will be guaranteed for another five contract years.
Initial Premium	The initial premium only receives a bonus.
IP-Rate Bon 2%Prem Avail	Initial premium receives a rate bonus for the first contract year. Premium bonus options up to 2% are available with reduced commission. Value Added Bonus is applicable to 1035 transfers only. Value Added+ is applicable with $10,000
N/A	Bonus feature is not applicable to this contract.
PremBon Years 2-4	New premiums contributed during contract years two through four receive a premium bonus of 3% for ages 0-80 and 2% for ages 81-85.
Premium Bon Avail 2%Max	Two bonus options are available on the initial premium up to a maximum of 2% if the agent chooses to receive reduced commission. Value Added Bonus is applicable to 1035 transfers only. Value Added Plus is applicable with $10,000.
Premium Bon Avail 4%Max	Bonus options are available on the initial premium up to a maximum of 4% if the agent chooses to receive reduced commission. Value Added Bonus is applicable to 1035 transfers only. Value Added Plus is applicable with $10,000.
Premium Bon Avail 5%Max	Two bonus options are available on the initial premium up to a maximum of 5% if the agent chooses to receive reduced commission. Value Added Bonus is applicable to 1035 transfers only. Value Added Plus is applicable with $10,000.
Year 1 Premium	New premiums contributed during the first contract year only receive a bonus or bonuses.
Years 1-10 Prem Bon	New premiums contributed during contract years one through ten receive a premium bonus.
Years 1-2 Premium	New premiums contributed during contract years one and two only receive a bonus.
Years 1-3 Premium	New premiums contributed during contract years one through three only receive a bonus.
Years 1-5 Premium	New premiums contributed during contract years one through five only receive a bonus plus current base rate.
Years 1-5 Prem Bon	New premiums contributed during contract years one through five only receive a premium bonus.