MWBOExplanation
10%NH/TI/HHCNursing Home is applicable with 60 days and allows an additional 10% withdrawal; Terminal Illness is applicable with less than one year and allows full withdrawal. Home Health Care allows 1% of balance per month.
1NH30 n/aTXNursing Home waiver is available after contract year one and is applicable with 30 days confinement. Waiver is not available in TX.
1NH60 n/aTXNursing Home waiver is available after contract year one and is applicable with 60 days confinement. Waiver is not available in TX.
25% ACB/TIBoth benefits capped at $250,000. Accelerated Benefit of 25% withdrawal is available for contract holders with life-threatening illness not necessarily resulting in death. Terminal Illness is available with less than twelve months expectancy.
25% Accl BenAccelerated Benefit of additional 25% Free Withdrawal capped at $250,000 is available for contract holders with life-threatening illness not necessarily resulting in death.
50% 1NHn/aTXNursing Home waiver for 50% Free Withdrawal is available after contract year one and is applicable with 90 days confinement. Waiver is not available in TX.
50% NH/TINursing Home with 90 days confinement or Terminal Illness is available for the lesser of 50% of the account value or $50,000; or $100,000 if annuitized over a 36 month period option.
50%A-75NH60Nursing Home waiver is available to contract holders age 0-75 and is applicable with 60 days provided request is submitted within 90 days. It allows for 50% of the value remaining in the contract at the time of the first withdrawal.
50%PmY2-75NHNursing Home waiver is available after contract year two to contract holders age 0-75 and is applicable with 60 days. It allows for 50% of the premiums remaining in the contract at the time of the first withdrawal.
50%Y1-80NH90Nursing Home waiver is available after contract year one to contract holders age 0-80 and is applicable with 90 days confinement. It allows 50% Free Withdrawal.
50%Y2 NH60Nursing Home waiver is available after contract year two and is applicable with 60 days confinement. It allows 50% Free Withdrawal.
50%Y2-75N60Nursing Home waiver is available after contract year two to contract holders age 0-75 and is applicable with 60 days confinement. It allows Free Withdrawal for 50% of the Contract Value.
6mo-75H/ECHospital or Extended Care Waiver is available after six months to contract holders age 0-75 and is applicable with 30 days confinement. It allows for the withdrawal of the greater of $10,000 or 25% of the account value.
6mo-76NH/TIWaivers are available after one-hundred eighty days to contract holders age 0-76. Nursing home is applicable with 90 days confinement. Terminal Illness is also available and waives 50% of the surrender charge.
90 Days LTCThis annuity is issued with a long-term care contract applicable after 90 days and with a rider, benefits may triple the accumulation value. contract holders must qualify for coverage. Premiums are deducted each month from the interest.
90A-75NH90/90Nursing Home waiver is available after 90 contract days for contract owners age 0-75 and is applicable with 90 days confinement provided request is submitted within 90 days.
90A-80N/T/D/UNursing Home is available after 90 days for ages 0-80 and is applicable with 60 days if submitted within 90 days. Unemployment is applicable with no other paid benefits. Terminal Illness is also available. Disability is available for age 0-65.
90A-80NH60/90Nursing Home is available after 90 days to contract holders ages 0-80 and is applicable with 60 days if request is submitted within 90 days. Disability is available to contract holders age 0-65.
A/S-H30NH90Medical Waiver is applicable with 30 days hospital care or 90 days nursing home confinement for either annuitant and spouse.
A/S-N90/T12Both waivers apply to either annuitant or spouse. Nursing Home is applicable with 90 days confinement; Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
A-60 ADBAccidental Death Benefit is available to contract holders age 0-60 and is capped at $100,000.
A-70LTC/H/TIWaivers are available to contract holders age 0-70 at 100%; contractholders age 71-80 at 50% and contractholders age 81+ at 25%. Long Term Care is applicable with 90 days. Hospital is applicable with 60 days. Terminal Illness is also available.
A-75NH 10k/25%Extended Care waiver is available to contract owners age 0-75 applicable with 30 days confinement provided request is submitted within 90 days. It allows the greater of $10,000 or 25% of the accouint value.
A-75NH/TI/ADBNursing Home is applicable with 90 days for an additional 10% withdrawal. Terminal Illness of less than a year expectancy allows 75% withdrawal. Both are applicable for age 0-75. .Accidental Death Benefit is vailable for age 0-69.
A-75NH90Nursing Home waiver is available for 100% waiver of penalties to contract holders age 0-75 and 25% for ages 76+. Both are applicable with 90 days confinement.
A-80NH60/TINursing Home is available to contract holders age 0-80 and is applicable with 60 days if request is submitted within 90 days. Disability is available for age 0-65. Terminal Illness is also available.
A-85 NH30Nursing Home waiver is available to contract holders age 0-85 and is applicable with 30 days confinement.
A-85 NH30TI6Waiver are available to contract holders age 0-85. Nursing Home is applicable with 30 days confinement and Terminal Illness is applicable with diagnosis of less than six months expectancy.
Co practiceCompany allows an additional 10% Free Withdrawal for nursing home confinement, critical illness, or terminal illness. It is not contractual.
H/NH/TI/1UNWaivers are available to contract holders confined to a hospital or LTC for 90 days or diagnosed with terminal illness. Unemployment waiver is available after year one with 30 days compensation provided request is made within 180 days.
H/NH/TI50%Medical Waiver is applicable with 30 days hospital care or 90 days nursing home confinement. Terminal Illness is applicable with diagnosis of less than 6 months expectancy and allows 50% withdrawal.
H30/NH90Medical Waiver is applicable with 30 days hospital care or 90 days nursing home confinement.
N/TI/D/U/R/THospitalization or Nursing Home-30 days reported in 91 days; TI-less than 1 year expectancy; Disability for age 0-65; Unemployment with 60 days state's benefits; Residence damage-$50,000+ in 91 days; Transplant surgery for owners.
N30/90n/aTXNursing Home waiver is applicable with 30 days confinement provided request is submitted within 90 days following release. Waiver is not available in TX.
NH %VariesNursing Home waiver is available with 60 days confinement for contract holders age 0-70 at 100%; for ages 71-80 at 50% and for ages 81+ at 25% of the Contract Value.
NH/DINursing Home and disability waivers are available with this contract. No information provided.
NH/H30Nursing Home or Hospitalization waiver is applicable with 30 days confinement.
NH/HHC/TINursing Home waiver is applicable with 60 days for an additional 10% if submitted within 90 days. Home Health Care Rider allows 1% per month access. Terminal Illness with less than one year expectancy allows full withdrawal.
NH/HHC45Nursing Home or Home Health Care waivers are available with 45 days confinement.
NH/LTC/TINursing Home, Long Term Care, and Terminal Illness Waivers are available. No information provided.
NH180Nursing Home waiver is applicable with 180 days consecutive confinement.
NH30Nursing Home waiver is applicable with 30 days confinement.
NH30 n/aTXNursing Home waiver is applicable with 30 days confinement. Waiver is not available in TX.
NH30-$3kNursing Home waiver is applicable with 30 days confinement capped at $3,000.
NH30/12TINursing Home waiver is applicable with 30 days provided no confinement in 60 days prior to contract issue and the request is submitted within 12 months. Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
NH30/30Nursing Home waiver is applicable with 30 days confinement provided the request is submitted within 30 days following release.
NH30/90Nursing Home waiver is applicable with 30 days confinement provided the request is submitted within 90 days following release.
NH30/TI6Nursing Home waiver is applicable with 30 days confinement. Terminal Illness is available with diagnosis of less than 6 months expectancy.
NH30-Ann5YNursing Home waiver is applicable with 30 days our of 35 days confinement and provides for elimination of the deferral requirement and the reduction of the payout period to five years.
NH60Nursing Home waiver is applicable with 60 days confinement.
NH60 n/aTXNursing Home waiver is applicable with 60 days of confinement. It is not available in TX.
NH60/60Nursing Home waiver is applicable with 60 days confinement provided the request is submitted within 60 days following release.
NH60/TI/HHCNursing Home is applicable with 60 days; Terminal Illness is applicable with less than one year. Both waivers allow greater of Index Value or Guaranteed Minimum Value. Home Health Care allows 1% of Index Value per month.
NH60/TI/UNNursing Home waiver is applicable with 60 days; Terminal Illness is applicable with a diagnosis of less than 24 months expectancy; Unemployment Waiver is applicable after180 days. TI is not available in TX.
NH60TIn/aTXNursing Home waiver is applicable with 60 days confinement; Terminal Illness is applicable with diagnosis of less than 12 months expectancy. Neither waiver is available in TX.
NH90Nursing Home waiver is applicable with 90 days confinement.
NH90 Ann3Nursing Home waiver is applicable with 90 days confinement but pay out must be annuitized for a minimum three-year option.
NH90 n/aTXNursing Home waiver is applicable with 90 days of confinement. It is not available in TX.
NH90/12TINursing Home waiver is applicable with 90 days confinement; Terminal Illness is applicable with a diagnosis of less than 12 months expectancy.
NH90/TINursing Home waiver is applicable with 90 days confinement; Terminal Illness is also available.
NH90A* n/aTXNursing Home waiver is available for contract holders age 0-75 with 90 days of confinement; for ages 76+ withdrawal is limited to 25%. Waivers are not available in TX.
NH90PO3YrNursing Home waiver is applicable with 90 days confinement but requires a three-year payout.
NoNo medical waiver option is available with this contract.
O/S$1kNH/TIBoth waivers apply to either owner or spouse and allow $1,000 withdrawal. Nursing Home is applicable with 30 days confinement; Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
O/S$5kNH/TIBoth waivers apply to either owner or spouse and allow $5,000 withdrawal. Nursing Home is applicable with 30 days if submitted within 90 days; Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
O/S-80NH/TIBoth waivers are available to either owner or spouse age 0-80 after 30 contract days provided request is submitted within 91 days and no pre-existing condition occurred two years prior. Nursing Home is applicable with 90 days.
O-H/N/TI/DWaivers are available to owner. Hospital/Nursing Home waivers are applicable with 60 days. Terminal Illness is applicable with a diagnosis of less than 6 mos. Disability waiver is available to owner receiving Social Security benefits.
O-NH/A-TIWaivers are available after contract year one. Nursing Home waiver is applicable with 90 days confinement to the contract owner. Terminal Illness is applicable with less than 12 months expectancy to the annuitant.
O-Y1NH60Waivers are available to an owner age 0-75 after contract year one and are capped at $250,000. Nursing Home is applicable with 60 days if request is submitted within 60 days. Contract holders ages 76+ receive 25%.
Term LifeA Term Insurance Rider for the owner is available with varying death benefit percentages of the single premium. Premiums are deducted annually if not paid in advance. An accelerated Death Benefit is available for terminal illness.
TI-12MosTerminal Illness waiver is available with a diagnosis of less than 12 months life expectancy.
TI2YrTerminal Illness waiver is available to contract holders with a diagnosis of less than two years life expectancy and provides for accelerated death benefit.
Y1 LTC90/TIWaivers are available after contract year one. Long Term Care is applicable with 90 days confinement. Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
Y1 NHNursing Home waiver is available after the first contract year; no specifics provided.
Y1 NH$3kn/aTXNursing Home waiver is available after contract year one and is applicable with 30 days confinement provided request is submitted within 90 days. It allows Free Withdrawal of $3,000 per month. It is not available in TX.
Y1 NH/TI/DIWaivers are available after contract year one. Nursing Home is applicable with 90 days; Terminal Illness is applicable with diagnosis of less than 6 months. Disability rider is available with Social Security benefits.
Y1 NH/TwMVAWaivers are available after contract year one. Nursing Home is applicable with 90 days confinement. Terminal Illness is applicable with diagnosis of less than 12 months expectancy. MVA adjustment still applies.
Y1 NH30Nursing Home waiver is available after contract year one and is applicable with 30 days confinement;
Y1 NH30 10%Nursing Home waiver is available after contract year one and is applicable after 30 days of confinement. It allows an additional 10% Free Withdrawal.
Y1 NH30/90Nursing Home waiver is available after contract year one and is applicable with 30 days confinement provided request is submitted within 90 days following release.
Y1 NH30/ADBNursing Home is available after contract year one and is applicable with 30 days provided request is submitted within 90 days. It allows an additional 15% Free Withdrawal. Accidental Death Benefit is applicable for ages 21-70.
Y1 NH45/60Nursing Home waiver is applicable for contract holders who did not have previous confinement for one year prior to contract issue and the confinement covers 45 out of 60 days.
Y1 NH60Nursing Home waiver is available after contract year one and is applicable with 60 days confinement.
Y1 NH60/90Nursing Home waiver is available after contract year one and is applicable with 60 days confinement provided the request is submitted within 90 days following release.
Y1 NH60/TI6Waivers are available after contract year one. The Nursing Home rider is applicable with 60 days confinement; Terminal Illness rider is applicable with a diagnosis of less than 6 months expectancy.
Y1 NH90Nursing Home waiver is available after contract year one and is applicable with 90 days confinement.
Y1 NH90/T1Waivers are available after contract year one. Nursing Home is applicable with 90 days confinement. Terminal Illness is applicable with diagnosis of less than 12 months expectancy.
Y1 NH90/TI6Waivers are available after contract year one. Nursing Home is applicable after 90 days confinement. Terminal Illness is applicable with diagnosis of less than 6 months expectancy.
Y1 TITerminal Illness waiver is available after contract year one.
Y1*NH60/1TIWaivers are available after contract year one and are capped at $250,000. Nursing Home is applicable with 60 days if request is submitted within 60 days. Ages 76+ receive 25%. Terminal Illness is applicable with less than 12 months.
Y1-74NH25%Nursing Home waiver is available after contract year one to contract holders age 0-74 and is applicable after 90 days confinement. It allows withdrawal for 25% of balance each year of qualified confinement.
Y1-75 N/T75%Waivers are available after contract year one for age 0-75. Nursing Home is applicable with 90 days; Terminal Illness allows one withdrawal for 75% of balance.
Y1-75 NH/T/BWaivers are available after contract year one for age 0-75. Nursing Home allows an additional 10% Free Withdrawal after 90 days; Terminal Illness diagnosis of less than 12 months expectancy allows one withdrawal for 75% of balance.
Y1-75 NH/T/PWaivers are available after contract year one for age 0-75. Nursing Home allows an additional 10% Free Withdrawal after 90 days; Terminal Illness diagnosis of less than 12 months expectancy allows one withdrawal for 75% of premium.
Y1-75 NH30Nursing Home waiver is available after contract year one to contract holders age 0-75 and is applicable with 30 days confinement.
Y1-75 NH90Nursing Home waiver is available after contract year one to contract holders age 0-75 and is applicable with 90 days confinement.
Y1-75N/T/ADBWaivers are available to both owner or spouse age 0-75 after contract year one. Nursing Home is applicable with 90 days; Terminal Illness allows additional 10% Withdrawal; Accidental Death Benefit is the initial premium capped at $50,000.
Y1-75N/T/DIWaivers are available after contract year one to contract holders age 0-75. Nursing Home and Disability Income are applicable with 90 days. Terminal Illness is applicable with expectancy of less than one year.
Y1-75N/TI75%Waivers are available after contract year one to contract holders age 0-75. Nursing Home is applicable with 90 days and allows an additional 10% Free Withdrawal. Terminal Illness allows one withdrawal for 75% of balance.
Y1-75N90 10%Nursing Home waiver is available after contract year one to contract holders age 0-75 and is applicable with 90 days confinement. It allows an additional Free Withdrawal of 10% of the Contract Value.
Y1-76*NH60Nursing Home waiver is available after contract year one and is applicable with 60 days confinement. Age 0-76 receives 100% Free Withdrawal; ages 76+ receive 25% Free Withdrawal. Both are capped at $250,000.
Y1-85 NH90Nursing Home/Hospital waiver is available after contract year one to contract holders age 0-85 and is applicable with 90 days confinement.
Y190 NH30/TIWaivers are available to owners after contract year one provided the request is submitted within 90 days. The Nursing Home rider is applicable with 30 days confinement; Terminal Illness rider is applicable with less than one year diagnosis.
Y1LTC/H90Long Term Care Facility or Hospital waiver is available for the owner after contract year one with 90 days confinement.
Y1LTC/TI5%Waivers are available after contract year one. Long-Term Care Home Waiver is applicable with 90 days confinement. Terminal Illness allows an additional 15% Free Withdrawal.
Y1LTCn/aTXWaivers are available after contract year one. LTC is applicable with 90 days. A one-time Terminal Illness waiver applicable with diagnosis of 12 months allows 25% withdrawal of the account value. Medical Waivers are not available in TX.
Y1N60/T/UWaivers are available after contract year one. Nursing Home is applicable with 60 days. Terminal Illness is applicable with diagnosis of less than 12 months. Unemployment is applicable after 180 days to contract holders age 0-65.
Y1NH/Ann5YrNursing Home Waiver is available after contract year one and is only applicable if annuitized for a five-year payout option.
Y1NH/TI 10%Waivers are available after contract year one. Nursing Home is applicable with 90 days; Terminal Illness is applicable with diagnosis of less than one year expectancy. Both waivers allow an additional 10% Free Withdrawal.
Y1NH/TI/UNWaivers are available after contract year one. Nursing Home age 0-75 and Unemployment age 0-65 are applicable with 90 days and allow an additional 10% Free Withdrawal. Terminal Illness age 0-75 allows 50% Withdrawal.
Y1NH/TI-OwnWaivers are available after contract year one to contract owners. Nursing Home is applicable with 90 days. Terminal Illness is applicable with diagnosis of less than 12 months.
Y1NH30/TIWaivers are available after contract year one. The Nursing Home rider is applicable with 30 days confinement; Terminal Illness rider is applicable with a diagnosis of less than 12 months expectancy.
Y1NH30Ann5YrNursing Home waiver is available after contract year one and is applicable if confinement covers 30 out of 35 days. It allows for annuitization for a minimum of five year option.
Y1NH60/60Nursing Home waiver is available after contract year one and applicable with 60 days. Contract holders age 0-76 receive 100% and ages 76+ receive 25% Free Withdrawal. Both are capped at $250,000 and must be submitted within 60 days..
Y1NH6Mos/HHospital Waiver is applicable with 60 days confinement. Nursing home is available after contract year one and is applicable with six months confinement.
Y1NH90/CI 10%Both waivers are available after contract year one and allow an additional 10% Free Withdrawal. Nursing Home is applicable with 90 days confinement to contract holders age 0-76. Critical Illness diagnosis is available for age 0-70.
Y1NH90/TIBoth waivers are available after contract year one. NH is applicable with 90 days if submitted within 90 days and allows an additional 10% Free Withdrawal. Terminal Illness is applicable with 12 months and allows 75% withdrawal.
Y1NTU n/aTXWaivers are available after contract year one. Nursing Home is applicable with 60 days. Terminal Illness is applicable with diagnosis of less than 12 months. Unemployment is applicable after 180 days. No waivers are available in TX.
Y2 NH/TIWaivers are available after contract year two. Nursing Home is applicable with 90 days confinement. Terminal Illness is applicable with less than 12 months expectancy.
YesMedical waiver is available with this contract. No information provided.
Yes n/a TXMedical waiver option of the contract is not available in Texas. No information provided.
Yr1.5NH/TIWaivers are available after contract year one. Nursing Home requires an additional six month waiting period. Terminal Illness waiver is applicable with a diagnosis of less than 12 months expectancy to contract holders age 0-79
Yr4 NH/TIWaivers are available after contract year four. Nursing Home is applicable with 90 days confinement. Terminal Illness is applicable with diagnosis of less than 12 months expectancy.