退休年金 Income Driver 7 & 10

退休年金
Income Driver 7 & 10Income Driver
7 & 10

Presented by Team Rise

各位伙伴好，我们是 Team Rise。这一组幻灯片讲国家人寿的一款退休年金：Income Driver 7 和 Income Driver 10。

Hello, everyone, we're Team Rise. This set covers one of National Life's retirement annuities: Income Driver 7 and Income Driver 10.

先说它要解决的问题。退休最大的风险，往往不是钱不够多，而是活得比钱久。客户手上有一笔退休金，最怕的是哪一天花完了，人还在。Income Driver 做的就是这一件事：一笔钱转进去，放 7 年或 10 年，之后每年领一笔，保证领到终身。

Start with the problem it solves. The biggest risk in retirement is often not having too little, but outliving what you have. A client with retirement savings fears the day the money runs out while they're still here. Income Driver does one job: a lump sum goes in, sits for 7 or 10 years, and then pays an amount every year, guaranteed for life.

一共五页内容。第一页，所有年金都在回答的三个问题：存钱、累积、拿钱。第二页，Income Driver 的整条时间线。第三页，用客户 Bob 的例子把两个账户算一遍，这是最容易讲错的一页。最后两页，是产品细节表。

Five pages of content. Page one, the three questions every annuity answers: funding, accumulation, distribution. Page two, Income Driver's timeline end to end. Page three works through both accounts with a client, Bob; it's the page people most often get wrong. The last two pages are the product detail table.

先打个招呼：今天出现的利率和收入金额都是举例，利率是演示假设，不是保证；领取比例以投保时的说明书为准。

One note up front: the rates and income amounts today are examples. Rates are illustration assumptions, not guarantees, and withdrawal percentages follow the guide in force when the contract is issued.

互动设计Interaction

开场问一句：你的客户里，有多少人能说清楚自己退休以后每个月固定进账多少？请大家在聊天框里打一个数字，大多数人会发现答案是"很少"。

Open with a question: how many of your clients can say what fixed amount comes in each month after they retire? Ask for a number in the chat; most will find the answer is "very few."

所有年金都在回答三个问题Three Questions Every Annuity Answers

① 存钱① Funding

钱从哪儿来：(Roth) IRA / 401(k)，或支票现金Source: (Roth) IRA / 401(k), or non-qualified cash
怎么存：一笔存，或定期存How: single premium, or flexible premium

② 累积② Accumulation

账户类型：现金价值账户、退休福利账户Accounts: accumulation value, benefit base
利息方式：固定利息，或保底指数增长Crediting: fixed, or indexed with a floor

③ 拿钱③ Distribution

什么时候拿：立刻拿，或放几年之后拿When: immediately, or after a deferral
拿多久：固定年限，或拿终身How long: a fixed period, or for life

Income Driver：一笔存 → 保底指数增长 → 7 或 10 年后拿 → 拿终身Income Driver: single premium → indexed with a floor → income after 7 or 10 years → for life

这一页是一把万能钥匙。不管哪家公司、哪一款年金，都在回答同样的三组问题：存钱、累积、拿钱。把这三组问题问清楚，任何一款年金的结构你都能拆开。

This page is a master key. Whatever the carrier, whatever the annuity, it answers the same three sets of questions: funding, accumulation, distribution. Ask all three and you can take apart any annuity's structure.

第一组，存钱。钱从哪儿来？可以是退休账户里的钱，比如 IRA、Roth IRA、401(k)，也可以是支票账户里的现金，也就是税后的非合格资金。怎么存？一笔存进去，或者定期分次存。

One, funding. Where does the money come from? It can be retirement-plan money, such as an IRA, a Roth IRA or a 401(k), or cash from a checking account, meaning after-tax, non-qualified money. How does it go in? As a single lump sum, or in installments over time.

第二组，累积。保单里有哪几个账户？通常有两个：现金价值账户和退休福利账户，下一页细讲。利息怎么算？一种是固定利息增长，一种是跟着指数走、但有保底的指数增长。

Two, accumulation. Which accounts sit inside the contract? Usually two: the accumulation value and the benefit base, which we'll go through next. How is interest credited? Either a fixed rate, or indexed growth that follows an index with a floor.

第三组，拿钱。什么时候开始拿？可以立刻拿，也可以放几年之后再拿。拿多久？可以拿一个固定年限，也可以拿终身。

Three, distribution. When does income start? Right away, or after a few years. For how long? A fixed number of years, or for life.

Income Driver 的组合，就是每一组里标出来的那一项：一笔存，保底指数增长，7 年或 10 年之后拿，拿终身。下次客户拿来另一家公司的年金，你也用这三组问题去问，马上就能比。

Income Driver's combination is the highlighted item in each set: a single premium, indexed growth with a floor, income after 7 or 10 years, for life. The next time a client brings you another carrier's annuity, ask the same three sets of questions and you can compare them on the spot.

互动设计Interaction

自测：说出 Income Driver 在三组问题里各选了哪一项。（一笔存；保底指数增长；7 或 10 年后拿、拿终身。）

Quick check: name Income Driver's choice in each set. (Single premium; indexed with a floor; income after 7 or 10 years, for life.)

一笔存，7 或 10 年之后拿，拿终身One Deposit, Income After 7 or 10 Years, for Life

一笔存，递延，拿终身Single premium, deferred, lifetime→ SPDA→ Income Driver 7 / 10

开户：一笔存Day one: the deposit

例：一笔存 $10 万Example: $100,000 in one deposit
90 天内可追加，每笔 ≥ $1,000Add-ons within 90 days, $1,000 minimum each

递延 7 年或 10 年Deferral: 7 or 10 years

现金价值账户：跟随指数保底增长Accumulation value: indexed growth with a floor
退休福利账户：开户 +25%，每年 10% 单利，最多 10 年Benefit base: +25% at issue, 10% simple a year, up to 10 years

之后：开始领Then: income

每年领 = 计算基数 × 领取比例Annual income = benefit base × withdrawal %
终身保证，活多久领多久Guaranteed for life, however long
符合护理条件时收入翻倍（加州不提供）Doubles if care conditions are met (not in California)

这一页是 Income Driver 的整条时间线。最上面一行先把名字讲清楚：它是一款 SPDA，英文 Single Premium Deferred Annuity，一笔存入的递延年金。 "一笔存"是怎么存，"递延"是先放着不拿，"年金"是将来按年领钱。

This page is Income Driver's whole timeline. The top row explains the name: it's an SPDA, a single premium deferred annuity. "Single premium" is how the money goes in, "deferred" means it sits before paying out, and "annuity" means it pays an amount every year later on.

从左往右看。第一段，开户。比如一笔存 $10 万。首笔最低 $25,000；开户后 90 天之内还可以追加，每笔最低 $1,000。

Read left to right. First, the deposit: say $100,000 in one go. The minimum first deposit is $25,000, and for 90 days after issue you can add more, at least $1,000 each time.

第二段，递延期，Income Driver 7 是 7 年，Income Driver 10 是 10 年。这段时间里两个账户同时在走。现金价值账户跟随指数保底增长：指数涨，按规则记息；指数跌，记 0%，不记负数。退休福利账户开户就加 25%，之后每年按 10% 单利往上加，最多加 10 年。这里说的是选了标准版终身收入条款的情况，下一页用 Bob 的例子算给大家看。

Second, the deferral: 7 years for Income Driver 7, 10 years for Income Driver 10. Both accounts run side by side during it. The accumulation value grows with the index under a floor: credited by formula when the index rises, 0% rather than a negative when it falls. The benefit base gets 25% added at issue, then rises by 10% simple interest each year for up to 10 years. That's with the standard lifetime income rider; Bob's example on the next page works it through.

第三段，开始领。每年领多少？公式是：退休计算基数乘以领取比例，领取比例看开始领的年龄。领取是终身保证的，就算现金价值领到零，钱照发到过世。另外，符合护理条件的时候，收入可以翻倍，但条件很具体：单人领取、保单满 2 年、永久无法独立完成六项日常活动中的两项等，最长翻 5 年，而且加州不提供。

Third, income. How much each year? The formula is the benefit base times the withdrawal percentage, which depends on the age when income starts. It's guaranteed for life: even if the accumulation value runs to zero, payments continue until death. Income can also double when care conditions are met, but they're specific: single-life income, contract in force two years, permanently unable to perform two of six activities of daily living, among others. It doubles for up to five years, and it isn't available in California.

合规提醒Compliance

"护理时收入翻倍"一定要带条件讲，尤其是加州客户：这一条在加州不提供。每年领多少，用说明书按客户本人的年龄算，不要随口报一个整数。

Always state the conditions with "income doubles for care," especially for California clients: it isn't offered there. Work out annual income from the guide at the client's own age; don't quote a round number off the cuff.

举例：Bob，50 岁，一笔转入 $10 万Example: Bob, 50, Moves In $100,000

现金账户 · 现金价值Accumulation Value

能真正取走的钱，起点 $10 万The money you can actually take, starting at $100,000
演示假设约 6%，封顶举例 8%，下跌年份记 0%：非保证Illustrated at about 6%, cap of 8% as an example, 0% in down years: not guaranteed
标准版收入条款每年 1% 费用从这里扣The standard income rider's 1% annual charge comes out here
取钱延税；超出每年 10% 免费额度有退保费和 MVATax-deferred; withdrawals above the 10% free amount carry surrender charges and an MVA

退休账户 · 计算基数Benefit Base

转入本金Deposit	$100,000
+ 25% 开户奖金+ 25% bonus	$25,000
= 起始基数= Starting base	$125,000
+ 10 年 × 10% 单利+ 10 yrs × 10% simple	10 × $12,500
= 10 年后的计算基数= Base after 10 years	$250,000

不是现金价值，不能一次取走，只用来算终身收入Not cash value; it can't be withdrawn, it only sets lifetime income

60 岁起单人领取：$250,000 × 5.15% ≈ $12,875 / 年（演示算例）Single-life income from 60: $250,000 × 5.15% ≈ $12,875 a year (worked example)

这一页最要紧，也最容易讲错。客户 Bob，50 岁，从退休账户一笔转入 $10 万。转进去之后，同一笔钱在保单里被两个不同的数字同时记录。

This page matters most and is the easiest to get wrong. Our client Bob is 50 and moves $100,000 in as one transfer from a retirement account. Once it's in, the same money is tracked by two different numbers inside the contract.

左边是现金账户，也就是现金价值。这是 Bob 真正能取走的钱，起点就是 $10 万。它跟着指数保底增长，演示上常用约 6% 的假设，封顶举例 8%，下跌年份记 0%。这些都是演示假设，不是保证，不能说成"6% 平均保底年回报率"。还要讲清楚两件事：第一，选标准版收入条款，每年 1% 的费用是从这个账户里扣的，所以记 0% 的年份，现金价值会往下走一点；第二，取钱延税，但递延期内一年取超过 10% 的免费额度，要付退保费，还可能有市场价值调整。

On the left is the accumulation value. It's the money Bob can actually take, starting at $100,000. It grows with the index under a floor; illustrations commonly assume about 6%, with an 8% cap as the example and 0% in down years. These are illustration assumptions, not guarantees, and must never become "a 6% average guaranteed return." Two more points: first, with the standard income rider the 1% annual charge comes out of this account, so in a 0% year the value moves down a little; second, growth is tax-deferred, but taking more than the 10% free amount in a year during the surrender period means a surrender charge and possibly a market value adjustment.

右边是退休账户，也就是退休计算基数。$10 万进去，立刻加 25% 开户奖金 $25,000，起始基数 $125,000。之后每年加起始基数的 10%，也就是 $12,500，单利，不是复利，最多加 10 年，十年一共加 $125,000。所以 10 年后，计算基数是 $250,000。

On the right is the benefit base. $100,000 goes in and a 25% bonus of $25,000 is added at once, for a starting base of $125,000. Each year after that, 10% of the starting base, $12,500, is added: simple interest, not compound, for up to 10 years, $125,000 in all. So after 10 years the benefit base is $250,000.

但请一定讲清楚：这 $250,000 不是现金价值，Bob 不能一次取走，它唯一的用处是计算终身收入。怎么算？计算基数乘以领取比例。按近年版本的说明书，60 岁开始、单人固定领取的比例是 5.15%：$250,000 × 5.15%，大约每年 $12,875，终身保证。联名领取、递增领取的比例更低；具体比例以投保时的说明书为准。

But make this absolutely clear: the $250,000 is not cash value. Bob can't take it out as a lump sum; its only use is to calculate lifetime income. How? Benefit base times withdrawal percentage. Under recent versions of the guide, the rate for single-life, level income starting at 60 is 5.15%: $250,000 × 5.15% is about $12,875 a year, guaranteed for life. Joint and increasing options pay lower rates, and the rate that applies is the one in the guide when the contract is issued.

合规提醒Compliance

不要对客户说"你的 $10 万十年后变成 $25 万"。$25 万是计算基数，不是钱；能取走的是左边的现金价值。25% 奖金和 10% 单利只有标准版收入条款才有，免费版没有奖金也没有递增。

Never tell a client "your $100,000 becomes $250,000 in ten years." The $250,000 is a calculation base, not money; what can be taken is the accumulation value on the left. The 25% bonus and 10% simple roll-up come only with the standard income rider; the no-charge version has neither.

Income Driver 7 & 10 细节：存与取Income Driver 7 & 10: Deposits and Withdrawals

最低存钱金额Minimum premium	首笔 $25,000；90 天内追加每笔 ≥ $1,000$25,000 initial; add-ons within 90 days, $1,000 minimum each
最高存钱金额Maximum premium	45–70 岁 $2,000,000；71–75 岁 $1,500,000 76–80 岁 $1,000,000；81–85 岁 $500,000 更高金额可向公司申请批准Ages 45–70: $2,000,000; 71–75: $1,500,000 76–80: $1,000,000; 81–85: $500,000 Higher amounts subject to carrier approval
年龄限制Issue ages	45 – 85
免费取钱金额Free withdrawal	第一个保单年度之后，每年累积价值的 10%10% of accumulation value a year after the first policy year
取钱费用超过免费部分Surrender chargesabove the free amount	ID 7：8.25%、8%、7%、6%、5%、4%、3%、0% ID 10：8.25%、8%、7%、6%、5%、4%、3%、2%、1%、0%ID 7: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 0% ID 10: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%
市场价值调整Market value adjustment	适用于超出免费额度的提款：ID 7 在 7 年期内，ID 10 在 10 年期内Applies to withdrawals above the free amount: during 7 years (ID 7) or 10 years (ID 10)

最后两页是产品细节表，这一页讲"存"和"取"的规则。原表是公司给代理人的内部资料，角上标着 For Agent Use Only，给客户看要用公司的客户版资料。

The last two pages are the product detail table; this one covers the rules for putting money in and taking it out. The original is the carrier's internal material for agents, marked For Agent Use Only; for clients, use the carrier's consumer version.

先看存。首笔最低 $25,000，开户后 90 天内追加，每笔最低 $1,000。最高金额按年龄分：45 到 70 岁 $200 万，71 到 75 岁 $150 万，76 到 80 岁 $100 万，81 到 85 岁 $50 万，更高的金额可以向公司申请批准。投保年龄是 45 到 85 岁，所以 Bob 50 岁是在范围内的。

Deposits first. The minimum first deposit is $25,000, with add-ons of at least $1,000 each within 90 days of issue. The maximum depends on age: $2 million at 45 to 70, $1.5 million at 71 to 75, $1 million at 76 to 80, $500,000 at 81 to 85, with higher amounts possible on carrier approval. Issue ages are 45 to 85, so Bob at 50 is well inside the range.

再看取。第一个保单年度之后，每年可以免费取累积价值的 10%。超过免费额度的部分要付退保费，比例逐年下降：两款都从第一年的 8.25% 开始。Income Driver 7 收 7 年，第 8 年起是 0%；Income Driver 10 名字叫 10，退保费其实只收 9 年（8.25% 一路降到 1%），第 10 年已经是 0%。但市场价值调整 MVA 还是按 10 年算，下面讲。

Then withdrawals. After the first policy year, 10% of the accumulation value can come out each year free of charge. Anything above that pays a surrender charge that steps down year by year: both start at 8.25% in year one. Income Driver 7 charges for 7 years and is at 0% from year 8; despite its name, Income Driver 10 charges for only 9 years (8.25% stepping down to 1%) and is already 0% in year 10. The market value adjustment, covered next, still runs for 10 years.

还有一项容易被忽略：市场价值调整，MVA。超出免费额度的提款，在 Income Driver 7 的 7 年内、Income Driver 10 的 10 年内，还要做一次市场价值调整。利率比买的时候下降，是正调整；利率上升，是负调整。所以讲这一页的重点就是一句话：这笔钱在递延期内最好不要动，每年 10% 以内的免费额度是留给应急的。

One more item people overlook: the market value adjustment. Withdrawals above the free amount during the 7 years of Income Driver 7, or the 10 years of Income Driver 10, are also adjusted for market value. If rates have fallen since purchase, the adjustment is positive; if they've risen, it's negative. So the point of this page fits in one line: this money is best left alone during the deferral, and the 10% free amount each year is there for emergencies.

讲师提醒Presenter note

客户问"中途要用钱怎么办"，先讲 10% 免费额度，再讲退保费和 MVA，最后讲护理和末期疾病的豁免条款。顺序反过来，客户只会记住"拿不出来"。

When a client asks "what if I need the money midway?", start with the 10% free amount, then surrender charges and the MVA, and finish with the nursing-care and terminal-illness waivers. In the reverse order, all the client remembers is "I can't get it out."

Income Driver 7 & 10 细节：策略与条款Income Driver 7 & 10: Strategies and Riders

指数策略Index strategies	标普 500：1 年或 2 年点对点有封顶，或 1 年中每月封顶 US Fundamental Balanced Index：1 年或 2 年点对点，高参与率 Global Balanced Index：1 年或 2 年点对点，高参与率固定利息 · 平均成本利息所有指数策略都可加：利息提升选项，年费率 1%S&P 500: 1- or 2-year point-to-point with a cap, or monthly capped US Fundamental Balanced Index: 1- or 2-year point-to-point, high participation Global Balanced Index: 1- or 2-year point-to-point, high participation Fixed interest · averaged crediting Any index strategy can add the interest-boost option at 1% a year
贷款Loans	403(b) / 457(b) 计划允许贷款，多种方式可选Permitted for 403(b)/457(b) plans, with several options
条款Riders	护理、末期疾病条款：免费（已批准的州） 403(b) / 457(b) 紧急提取豁免：免费终身收入条款（GLIR）必选：标准版按计算基数每年收 1%，从累积价值扣；或选免费版Nursing care and terminal illness at no cost (approved states); 403(b)/457(b) emergency access waiver at no cost A lifetime income rider (GLIR) is required: standard at 1% a year of the benefit base, deducted from accumulation value, or the no-charge version
开户类型Account types	Non-qualified, IRA, Roth IRA, 403(b), Roth 403(b), 457(b), Roth 457(b), SEP IRA, Simple IRA, Pension / Profit Sharing

细节表的第二页，讲累积期怎么记息，以及有哪些条款。

The second page of the detail table: how interest is credited during accumulation, and which riders apply.

指数策略有五类。标普 500 有三种：1 年点对点、2 年点对点，都有封顶，还有一种是一年里按月计算、每月有封顶。另外两个指数，US Fundamental Balanced Index 和 Global Balanced Index，都是 1 年或 2 年点对点，主打的是较高的参与率。再加上固定利息和平均成本利息两种。所有指数策略都可以加一个利息提升选项，每年收 1% 的费用。这个选项是要付钱的，记息为 0 的年份，费用照样扣。

There are five kinds of strategy. The S&P 500 comes three ways: 1-year or 2-year point-to-point, both capped, or a monthly calculation over the year with a monthly cap. The two other indexes, the US Fundamental Balanced Index and the Global Balanced Index, are 1- or 2-year point-to-point and are built around a higher participation rate. Then there are fixed interest and averaged crediting. Any index strategy can add an interest-boost option at 1% a year. It's a paid option, and in a zero-credit year the charge still comes out.

贷款：如果钱是 403(b) 或 457(b) 计划里的，允许贷款，有好几种方式。

Loans: if the money is in a 403(b) or 457(b) plan, loans are permitted, with several options.

条款这一行最重要。护理条款和末期疾病条款不收费，但只在已经批准的州提供；403(b) 和 457(b) 的紧急提取豁免也不收费。终身收入条款，也就是 GLIR，是必须选的，两种二选一：标准版每年按计算基数收 1%，从累积价值里扣，前面讲的 25% 开户奖金和 10% 单利递增就来自这一版；免费版不收费，也没有奖金和递增。客户想要的是"每年多领"，还是"现金价值多留"，决定选哪一版。

The riders row matters most. Nursing care and terminal illness riders carry no charge but are only offered in approved states; the 403(b)/457(b) emergency access waiver is also free. A lifetime income rider, the GLIR, is required, and it comes two ways: the standard version charges 1% a year of the benefit base, deducted from the accumulation value, and it's where the 25% bonus and 10% simple roll-up come from; the no-charge version costs nothing and has neither. Whether the client wants more income each year or more cash value left over decides which one.

最后，开户类型几乎涵盖所有常见账户：非合格资金、IRA、Roth IRA、403(b)、457(b) 和它们的 Roth 版本、SEP IRA、Simple IRA，以及退休金和利润分享计划。

Finally, the account types cover nearly every common case: non-qualified money, IRA, Roth IRA, 403(b) and 457(b) and their Roth versions, SEP IRA, Simple IRA, and pension and profit-sharing plans.

合规提醒Compliance

这张细节表来自公司 For Agent Use Only 的内部资料，不能截图发给客户，也不能放进讲座 PPT。给客户的版本从公司 Agent Portal 下载。

This detail table comes from carrier material marked For Agent Use Only. Don't screenshot it for clients or drop it into a seminar deck; download the consumer version from the carrier's agent portal.

存钱Funding	累积Accumulation	拿钱Distribution
钱从哪儿来？Where does the money come from? 1. (Roth) IRA / 401(k) 2. 支票现金 1. (Roth) IRA / 401(k) 2. Non-qualified cash	账户类型Account type 1. 现金价值账户 2. 退休福利账户 1. Accumulation value 2. Benefit base	什么时候拿钱？When? 1. 立刻拿 2. 放几年之后拿 1. Immediately 2. After a deferral period
怎么存？How? 1. 一笔存 2. 定期存 1. Single premium 2. Flexible premium	利息方式Crediting 1. 固定利息增长 2. 保底指数增长 1. Fixed interest 2. Indexed with a floor	拿多久？For how long? 1. 拿固定时间 2. 拿终身 1. Period certain 2. Lifetime

退休福利账户计算Benefit base calculation	金额Amount
转入本金 BaseBase deposit	$100,000
开户奖金 25%25% premium bonus	+ $25,000
小计Subtotal	$125,000
10 年 × 每年 10% 单利（$12,500/年）10 years × 10% simple interest ($12,500/yr)	+ $125,000
退休福利账户合计Benefit base total	$250,000

最低存钱金额Minimum premium	首笔最低 $25,000；90 天内追加每笔最低 $1,000$25,000 initial; additional deposits within 90 days, $1,000 minimum each
最高存钱金额Maximum premium	45–70 岁 $2,000,000；71–75 岁 $1,500,000；76–80 岁 $1,000,000；81–85 岁 $500,000。更高金额可向公司申请批准Ages 45–70: $2,000,000; 71–75: $1,500,000; 76–80: $1,000,000; 81–85: $500,000. Higher amounts subject to carrier approval
年龄限制Issue ages	45 – 85
指数策略Index strategies	标普 500：1 年或 2 年点对点有封顶，或 1 年中每月封顶增长 US Fundamental Balanced Index：1 年或 2 年点对点，高参与率 Global Balanced Index：1 年或 2 年点对点，高参与率固定利息增长 · 平均成本利息增长所有指数策略均可使用利息提升选项，年费率 1% S&P 500: 1- or 2-year point-to-point with a cap, or monthly capped crediting US Fundamental Balanced Index: 1- or 2-year point-to-point, high participation Global Balanced Index: 1- or 2-year point-to-point, high participation Fixed interest · averaged crediting All index strategies can use the interest-boost option at a 1% annual charge
免费取钱金额Free withdrawal	第一个保单年度之后，累积价值的 10%（在法律允许范围内）10% of accumulation value after the first policy year, as available by law
取钱费用（超过免费部分）Surrender charges (above the free amount)	Income Driver 7：8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 0% Income Driver 10：8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Income Driver 7: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 0% Income Driver 10: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%
市场价值调整Market value adjustment	适用。针对超出免费提取金额的提款，在 Income Driver 7 的 7 年期与 Income Driver 10 的 10 年期内生效Applies to withdrawals above the free amount during the 7-year (ID7) or 10-year (ID10) period
贷款Loans	403(b) / 457(b) 计划允许贷款，有多种贷款方式可选Permitted for 403(b)/457(b) plans, with several loan options
条款Riders	护理与末期疾病条款免费（在已批准的州）；403(b)/457(b) 紧急提取豁免免费。保证终身收入条款（GLIR）为必选：标准 GLIR 按福利基数收取 1% 年费、从累积价值中扣除，另有免费版 GLIR 可选Nursing care and terminal illness riders at no cost (in approved states); 403(b)/457(b) emergency access waiver at no cost. A Guaranteed Lifetime Income Rider is required: the standard GLIR carries a 1% annual charge on the benefit base deducted from accumulation value, and a no-charge GLIR is also available
开户类型Account types	Non-qualified, IRA, Roth IRA, 403(b), Roth 403(b), 457(b), Roth 457(b), SEP IRA, Simple IRA, Pension/Profit Sharing

退休年金 Income Driver 7 & 10

Income Driver 7 & 10