Stacking Rollup is a feature on optional Guaranteed Lifetime Withdrawal Benefit riders that assures that the GLWB’s Benefit Base will rise by a certain percentage of the annuity contract, provided it’s held in deferral, and Guaranteed Withdrawal Payments aren’t taken. Due to the additional feature of delivering an additional component for the development of the Benefit Base, which is based on the fixed and/or indexed gains on the base policy, the set percentage amount on a Stacking Rollup is significantly less than on a standard Rollup. This percentage is not a bonus or a guaranteed annual return on the underlying annuity contract. It can only be obtained if the Annuitant defers the insurance.

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