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Option 1: Lifetime Fixed-income Annuity - Guaranteed Refund of 125% Premium
• The Insured receives a lifetime fixed-income annuity, with a guaranteed refund of 125% premium.

Option 2 : Lifetime Fixed-income Annuity - Joint Annuitant & Guaranteed Refund of 125% Premium
• The Insured will share 100% of annuity income with his/her spouse.
• If, when either annuitant passes away, the total annuity income already received is more than 125% of the premium paid, the other will continue to receive 2/3 of the annuity for the rest of his/her life. 

Option 3 : Lifetime Fixed-income Annuity - Critical Illness Double Annuity & Guaranteed Refund of 125% Premium

• During the annuity period, if the Insured is first diagnosed to be suffering from a Critical Illness, including later-stage cancer, heart attack, kidney failure, stroke, or having coronary artery bypass surgery, the monthly annuity income will be doubled, subject to a maximum of 60 months. After that, the Insured will continue to receive 100% monthly annuity income for the rest of his/her life.