The contract owner chooses investment options. The contract owner has the right and ability to:

• Add funds to the annuity;


• Terminate the annuity;


• Withdraw all or part of the money; and


• Change parties named in the contract.

Contract owners can be any one of the following:

• Individuals


• Couples


• Trusts


• Corporations


• Partnerships

If the contract owner is an individual, he or she must be a legal adult. Minors may be contract owners only if the policy lists the minor's custodian. The contract owner controls the investment and can gift or will part or all of the contract to anyone or any entity.

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