Product Details

Payments are made as long as the annuitant is living. Other options may be available subject to the Company’s approval. SPECIAL DISCLOSURE FOR THE POINT TO POINT VOLATILITY CONTROL STRATEGY: This Product (the “Product”) is not sponsored, endorsed, managed, sold or promoted by Deutsche Bank AG (“DB”) or any subsidiary or affiliate of DB. The Deutsche Bank Indices are the exclusive property of DB. “Deutsche Bank” and “CROCI” are proprietary marks of Deutsche Bank AG and its affiliates that have been licensed for certain uses and purposes to ReliaStar Life Insurance Company (RLIC).

Payments are made as long as the annuitant is living, and guaranteed for 10 or 20 years. Other options may be available subject to the Company’s approval. SPECIAL DISCLOSURE FOR THE POINT TO POINT VOLATILITY CONTROL STRATEGY (CONTINUED): Neither DB, CROCI, nor any affiliate of DB, nor any other party involved in, or related to, making or compiling the indices: (1) is acting in a fiduciary or product management capacity or providing any endorsement of the Product or investment advice of any kind; (2) has any obligation to take the needs of RLIC, the sponsor of the Product, or its clients into consideration in determining, composing or calculating the Indices; (3) is responsible for or has participated in the determination of the timing of, prices at, quantities or valuation of the Pro

Subject to the requirements of the Code and the 403(b) plan, full surrenders are permitted, less any applicable MVA, bonus recapture, and surrender charges. SPECIAL DISCLOSURE FOR THE POINT TO POINT VOLATILITY CONTROL STRATEGY (CONTINUED): The CROCI Indices have been built on the premise that the CROCI Economic P/E is an effective indicator of inherent value. This premise may not be correct, and prospective investors must form their own view of the CROCI methodology and evaluate whetherCROCI is appropriate for them. Please see the Product Summary and Annuity Illustration for more information about the Indices and the Product.

Payments are made over a period of 10 to 30 years. Other options may be available subject to the Company’s approval.