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177                                      Don’t Make Me Say I Told You So



               Summary



                  ►   Death benefits can provide protection against market losses

                     in your variable annuity.

                  ►   Step-ups can increase the guaranteed value that will go to
                     your beneficiaries when you pass away.


                  ►   Death benefit guarantees  are based  on  the  claims-paying
                     ability of the company issuing your contract.

















































                                           Chapter 4: Annuities




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