Maximum Issue Age
Age 85 for owner and annuitant

Investment Minimum and Maximum

• Minimum: $2,000 initial; $100 subsequent.
• For contracts with a guaranteed lifetime withdrawal benefit rider: $5,000.
• Maximums apply.

Fees and Expenses

• M&E charges: 1.25% annually of the net value of your variable investment options.
• Administrative charge: 0.20% annually of the net value of your variable investment options.
• Annual contract fee: $35, if the contract value is less than $100,000 on your contract’s anniversary date.
• Operating expenses for variable investment options: management fees, 12b-1 fees and other expenses associated with the subaccounts (variable investment options) are estimated to be from 0.35% to 3.59% in 2008. These expenses may change in the future. Actual charges will depend on the variable investment options you select.
• Contingent Deferred Sales Charge (CDSC): A charge of 2% to 8% against any amount that you withdraw that has been in your contract for less than seven contract years. The actual amount will depend on the number of years the amount has been invested.

  Year	1	2	3	4	5	6	7	8
  	8%	7%	6%	5%	4%	3%	2%	0%

Free Withdrawals
Access each contract year to the sum of the following amounts without paying a contingent deferred sales charge (CDSC): 1) the excess of the contract value over the total unliquidated premium payments that have been in the contract fewer than seven years on the date of withdrawal; plus 2) 10% of the premium payments that have been in the contract fewer than seven years minus the total amount of all prior free withdrawals (of these premium payments) taken during the current contract year.

Premium Type
Flexible Premium – The contract can accept Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, 403(b) and other qualified plan deposits in addition to non-qualified monies. There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan.

Optional Living Benefit Riders
(Available only at contract issue and may not be available in all states. Certain age restrictions apply.)
Depending on the performance of the underlying investment options, the selection of a living benefit rider may result in higher contract expenses for which no additional benefit is received.

• Decade Living Benefit rider: additional annual cost of 0.25% of net assets in the variable investment options. Click here for additional information.
• Guaranteed Lifetime Withdrawal Benefit rider:
  

  	Single Version		Spousal Version
  	Annual Fee	Maximum Ann. Fee	Annual Fee	Maximum Ann. Fee
  Target 300sm	0.95%	2.50%	1.35%	3.50%
  Target 200sm	0.70%	2.50%	1.00%	3.50%
  Target Nowsm	0.40%	1.00%	0.60%	2.00%
  	In New York State
  Target Futuresm	0.50%	2.50%	Spousal version not available
  Target Nowsm	0.40%	1.00%

  Fees based on the adjusted Guaranteed Withdrawal Balance, which equals the greater of 1) the total premium payments to the contract; or 2) the GWB on the previous day plus any increase caused by the application of the 7% annual minimum guarantee, the 200% cumulative guarantee, or the 300% cumulative guarantee. Click here for additional information.
• Lifetime Focus Guaranteed Minimum Withdrawal Benefit rider:

  Single Version		Spousal Version
  Annual Fee	Maximum Ann. Fee	Annual Fee	Maximum Ann. Fee
  0.65%	1.25%	0.85%	1.25%
  In New York State
  0.60%	1.25%	Spousal version not available

  Fees based on the adjusted Guaranteed Withdrawal Balance (GWB), which is the greater of 1) the total premium payments made to the contract; or 2) the GWB at the close of business on the day immediately preceding the day the rider fee is deducted from the contract.
• Guaranteed Minimum Income Benefit rider – an annual fee of 0.50% of the Guaranteed Income Base. Click here for additional information.

Optional Death Benefit Riders

• GLWB Enhanced Death Benefit (available only if you elect the Guaranteed Lifetime Withdrawal Benefit rider): additional annual cost of 0.35% of the adjusted GWB
• Seven Year Enhanced Death Benefit rider (available in all states): additional annual cost of 0.20% of net asset value in the variable investment options.
• Guaranteed Minimum Death Benefit rider (available in all states except New York): additional annual cost of 0.30% of net asset value in the variable investment options.
• Contract Anniversary Enhanced Death Benefit rider (only available in New York): additional annual cost of 0.25% of net asset value in the variable investment options.
• Earnings Benefit rider: additional annual cost of 0.25% of net asset value in the variable investment options.
• Click here for additional information.