Return of Premium Rider:

Under no circumstances will your client receive less than their premiums – less any withdrawals – in the event of surrender. This NO-COST rider will be automatically included with all Builder Bonus contracts that have an effective date of April 1, 2009 or later. 

Other Great Builder Bonus Features:

• 8% Premium Bonus for All Premiums in Year 1
• Flexible Premium
• Only One Moving Part Per Strategy
• Full Accumulation Value at Death-No Annuitization Required
• 10% Penalty-free Withdrawals After First Year
• Nursing Home Waiver for All Issue Ages  
• Limited state availability: CT, DE, OR, UT, WA 

Revised PDFs of Builder Bonus materials are available at the Sales Tools link.  Printed versions are available at the Order Supplies link.

Please Note:  With the addition of the Return of Premium Rider, the Builder Bonus Index will have a revised commission chargeback schedule.

The Return of Premium Rider applies only to new business: this rider will not be added to contracts already in-force.