| 10 Years | Penalties are waived if the contract is annuitized for 10 year period option. |
| 10Yr/w3-5Yrs | Penalties are waived for 10 year option or after 3 contract years for 5 year option. |
| 15Yr/w4-10Yrs | Penalties are waived for 15 year option or after 4 contract years for 10 year option. |
| 3 Years | Penalties are waived if the contract is annuitized for 3 year period option. |
| 5 Years | Penalties are waived if the contract is annuitized for 5 year period option. |
| 5Yr N/A TX | Annuitization waiver of 5 years or more is not available in Texas. |
| 5Yr/w3-10Yrs | Contract may be annuitized for a 5 yr option or after three years for a 10 yr option. |
| 6 Years | Penalties are waived if the contract is annuitized for 6 year period option. |
| 7 Years | Penalties are waived if the contract is annuitized for 7 year period option. |
| 7Yr-w5/5Yrs | Penalties are waived for a 7 year option or after 5 contract yrs with 5 year option. |
| 8 Years | Penalties are waived if the contract is annuitized for 8 year period option. |
| Life | Penalties are waived if the contract is annuitized for a life period option. |
| Life/2xSurr | Penalties are waived for a life or for a period twice the remaining surrender yrs option. |
| Life/Exp-30days | Penalties are waived for a life option or after 30 days for a life expectancy option. |
| Life/ExpY1 | Penalties are waived for a life option or after one contract year for life expectancy. |
| Life/w5-10Yrs | Penalties are waived for a life option or after five contract yrs with 10 year option. |
| Life/w5-5Yrs | Penalties are waived after 1 yr for a life opt or after 5 contract yrs for a 10 year opt. |
| N/A | Annuitization waiver is not applicable to this contract. |
| NO | Penalties are not waived with annuitization. |
| Varies | Penalties are waived for a variety of annuitization periods. |
| w/5/5YrInt-10Yr | Penalties are waived after contract yr five for 5 yr interest payout or for 10yr option. |
| w1/5Yrs | Penalties are waived after one contract year if annuitized for 5 yr period option. |
| w10/7Yrs | Penalties are waived after ten contract years if annuitized for 7 yr period option. |
| w2/3Yrs | Penalties are waived after two contract years if annuitized for 3 yr period option. |
| w2/5Yrs | Penalties are waived after two contract years if annuitized for 5 yr period option. |
| w2/7Yrs | Penalties are waived after two contract years if annuitized for a 7 yr period option. |
| w3/10Yrs | Penalties are waived after three contract years if annuitized for 10 yr period option. |
| w3/5Yrs | Penalties are waived after three contract years if annuitized for 5 yr period option. |
| w3/LO | Penalties are waived after three contract years if annuitized for a life period option. |
| w4/5Yrs | Penalties are waived after four contract years if annuitized for 5 yr period option. |
| w4/LO | Penalties are waived after four contract years if annuitized for a life period option. |
| w5/10Yrs | Penalties are waived after five contract years if annuitized for 10 year period option. |
| w5/5Yrs | Penalties are waived after five contract years if annuitized for 5 year period option. |
| w5/7Yrs | Penalties are waived after five contract years if annuitized for 7 year period option. |
| w5/LO | Penalties are waived after five contract years if annuitized for a life period option. |
| w6/5Yrs | Penalties are waived after six contract years if annuitized for 5 year period option. |
| w7/10Yrs | Penalties are waived after seven contract years if annuitized for 10 yr period option. |
| w8/5Yrs | Penalties are waived after eight contract years if annuitized for 5 yr period option. |
| Yes | Penalties are waived if the contract is annuitized. No information provided. |
