Specimen Copy] RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK Minimum Guaranteed Withdrawal Benefit Rider With Reset Option A Stock Company (HEREINAFTER CALLED WE, US AND OUR)Minimum Guaranteed Withdrawal Benefit Rider • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
The Contract to which this Minimum Guaranteed Withdrawal Benefit Rider (this “Rider”) is attached is hereby modified by the provisions of this Rider. The Rider's provisions shall control when there is a conflict between this Rider and the Contract. Any capitalized terms not defined in this Rider shall have the meaning given to them in the Contract. This Rider permits withdrawals up to a specified amount annually that are guaranteed until the death of the last Active Spouse (as defined below) and may provide for guaranteed payments in the event the Contract’s Accumulation Value is reduced to zero, subject to the Rider’s terms, conditions and limitations. Benefits provided and charges made under the terms and conditions of this Rider are described below. This Rider will remain in effect until terminated under the conditions described below. IMPORTANT TERMS An Active Spouse is the person/people upon whose life and age Rider benefits are determined. On the Rider Date, the
Contract ContentsDeferred Fixed and Variable Annuity Contract • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
After the Annuity Commencement Date, the maximum daily Mortality and Expense Risk Charge will be 0.004141% (equivalent to an annual maximum rate of 1.50%), regardless of Benefit Option Package. Asset Based Administrative Charge - We deduct a charge of not more than 0.000411% of the assets in each Variable Separate Account Division on a daily basis (equivalent to an annual maximum rate of 0.15%) to compensate us for a portion of our ongoing administrative expenses. This charge is not deducted from the General Account values.
Specimen Copy] Minimum Guaranteed RELIASTAR Income Benefit Rider LIFE INSURANCE COMPANY OF NEW YORK A Stock Company (HEREINAFTER CALLED WE, US AND OUR)Minimum Guaranteed Income Benefit Rider • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
The Contract to which this Minimum Guaranteed Income Benefit Rider (this “Rider”) is attached is hereby modified by the provisions of this Rider. The Rider's provisions shall control when there is a conflict between this Rider and the Contract. Any capitalized terms not defined in this Rider shall have the meaning given to them in the Contract. This Rider provides an option to receive a Minimum Guaranteed Income Benefit (“MGIB”) instead of the standard Annuity Payments payable under the Contract. The MGIB may only be exercised on certain specified Exercise Dates, as described below. This Rider has no Cash Surrender Value. Benefits provided and charges made under the terms and conditions of this Rider are described below. This Rider will remain in effect until terminated under the conditions described below. IMPORTANT TERMS The Contract means the Contract to which this Rider is attached. The term Credit is defined in the Contract or its Riders and Endorsements. If no
Amendment to Participation Agreement Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc. ING Life Insurance and Annuity Company ING USA Annuity and LIfe Insurance Company ReliaStar Life Insurance Company...Participation Agreement • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
SECOND AMENDED AND RESTATED FUND PARTICIPATION AGREEMENTFund Participation Agreement • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
Re: Participation Agreement among Variable Insurance Products Fund (“Fund I”),Participation Agreement • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
This Agreement shall create a separate participation agreement for each Fund, as though the Company and the Underwriter had executed a separate, identical form of participation agreement with each Fund. No rights, responsibilities or liabilities of any Fund shall be attributed to any other Fund.
RULE 22C-2 AGREEMENTRule 22c-2 Agreement • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
FORM OF FIRST AMENDMENT OT PARTICIAPTON AGREEMENTParticipation Agreement • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
Specimen Copy] RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK Minimum Guaranteed Withdrawal Benefit Rider With Reset Option A Stock Company (HEREINAFTER CALLED WE, US AND OUR)Minimum Guaranteed Withdrawal Benefit Rider • July 6th, 2007 • Separate Account Ny B of Reliastar Life Insurance Co of Ny
The Contract to which this Minimum Guaranteed Withdrawal Benefit Rider (“this Rider”) is attached is hereby modified by the provisions of this Rider. The Rider's provisions shall control when there is a conflict between this Rider and the Contract. This Rider permits withdrawals up to a specified amount annually that are guaranteed during the Annuitant’s life and may provide for guaranteed payments in the event the Contract’s Accumulation Value is reduced to zero, subject to the Rider’s terms, conditions and limitations. There is a charge for this Rider. This Rider has no Cash Surrender Value. Benefits provided and charges made under the terms and conditions of this Rider are described in detail below. This Rider will remain in effect until terminated under the conditions described below.
