55439 (Rev.8/10)

IncomeEdgePlusAnOptionalLifetimeIncomeRider

IncomeEdgePlus

Willtheassetsyou’veaccumulatedlastthroughyourretirement?

NowtheycanwiththeIncomeEdgePlus,anOptionalLifetimeIncomeRider,fromAvivaLifeandAnnuityCompany.IncomeEdgePlusisaleadingsolutiontoprovideguaranteedlifetimeincomethatcomeswith......

Growth & Securitythroughguarantees;

Income foryourlifetime;

Controltostartandstoptheincomeasyouwish;

PLUS....

Additional incomeduringqualifying*Confinementperiods;**

Wellness for life® servicesfromMayoClinicHealthSolutions.**

*Please see the Income Edge Plus disclosure for full Confinement details and requirements.** Availability may vary by state. See disclosure for details.

How can Income Edge Plus benefit you? IncomeEdgePlusisanoptionallifetimeincomeRiderthatcanbeaddedtoyourAvivaFixedIndexedDeferredAnnuityforanannualcharge.ThisRidergivesyoutwowaystotakeincomeinadditiontotheFreeWithdrawalsprovidedbyyourAnnuityContract:

You can elect Income Withdrawals which pay a guaranteed income percentage for a select period of time, or You can elect Lifetime Income Withdrawals You canelect Lifetime Income Withdrawals which you are guaranteed to never outlive.

TheseIncomeWithdrawalsprovideflexibilityandchoicesthatputyouincontrolofdeterminingwhenandhowmuchretirementincomeyoureceive!

OnceyouselectIncomeEdgePlus,therewillbetwoaccountvaluesusedtodeterminetheWithdrawalamountsavailableundertheRider.

ThefirstistheAdjusted Accumulated Value whichismadeupofyourInitialPremiumandanyPremiumBonus(ifapplicable)plusanyInterestCreditsearnedintheinterestcreditingstrategiesyouchoose.

Thesecondisthe Income Account ValuewhichismadeupofyourInitialPremiumandanyPremiumBonus(ifapplicable)accumulatedatthe7.2%guaranteedgrowthforthefirst10yearsoftheContractpriortoRiderWithdrawals.

IncomeEdgePlusalsoprovidesafeaturethatcanincreaseyourincomewithdrawalpercentageintheeventyouareconfinedtoaqualifiedcarefacility.TheConfinementpageinthisbrochureoffersmorein-depthinformationaboutthisfeatureandtherequirementsforeligibility.

Inadditiontothefeaturesdiscussedabove,IncomeEdgePlusgivesyouaccesstoWellnessforlife®servicesfromMayoClinicHealthSolutions.

Manypeoplearelivinginoneoftwokeyphasesinlife:theAccumulation PeriodortheDistribution Period.Eachphasehasitsownuniquesetoffinancialobjectives(seefollowingpagesfordescriptions).

Individualsarelivinghealthier,moreactiveandlongerlivesthaneverbefore,whichmeansitistimetochangethewaywelookatretirement.IncomeEdgePluscanhelpyouplananincomethatlaststhroughoutyourretirement.Itsbenefitsgiveyoutheedgebyhelpingyoupreparetodayforallofyourtomorrows.

JerryandPamhavebeendiligentthroughouttheirworkingyearstoprotectandaccumulatetheirassets.Now,astheybothnearretirement,theybegintoevaluatehowbesttobegindistributingthatwealthinawaythatprovidesincomethatwilllastaslongastheirretirement.

Takeforexample, Jerry & Pam’s story . . .

*This is a hypothetical story.

Names:Jerry and Pam

Ages:60

CurrentStatus:Both still working

InitialFixedIndexedDeferredAnnuityPremium:$100,000

IncomeEdgePlus02

ContractYearsofIncomeDeferral IncomeAccountValue*1 $107,2002 $114,9183 $123,1934 $132,0625 $141,5716 $151,7647 $162,6918 $174,4059 $186,96210 $200,423

Accumulation Period: 7.2% Guaranteed GrowthDuringtheAccumulationPeriodyouarelookingtobuildfinancialsecurityforyouandyourfamily.Inaddition,youareworkingtogrowyourassetsandaccumulatelongtermwealthinpreparationforretirement.

AkeyaspectofIncomeEdgePlusistheguaranteedgrowthoftheIncomeAccountValueduringtheAccumulationPeriod.PriortoanyWithdrawalsunderIncomeEdgePlus,theIncomeAccountValueisguaranteedtogrow7.2%annuallyforthefirst10ContractYears.

Restart FeatureOnorafterthe5thContractAnniversary,ifnoWithdrawalsunderIncomeEdgePlushavebeentaken,youhavetheoptiontoRestarttheAccumulationPeriod.Thiswillestablishanew10-yearAccumulationPeriodduringwhichyour

IncomeAccountValueisguaranteedtogrowat7.2%annually.AtthetimeofRestart,iftheAdjustedAccumulatedValueisgreaterthantheIncomeAccountValue,theIncomeAccountValuewillbeincreasedtomatchtheAdjustedAccumulatedValueatthattimeandthe7.2%guaranteewillaccumulateonthenew,higheramountforanother10-yearperiod.Youmustwaitatleast5contractyearsbetweenrestarts,butthereisnolimittothenumberoftimesyoucanrestart.ThecostofIncomeEdgePlusmaybeincreasedbasedonthecurrentchargeatthetimeyouelecttorestart(seetheRestartExampleonthenextpage).

*Income Account Value accumulates regardless of index interest credited. This hypothetical example assumes no Rider or Base Annuity Withdrawals and no restart of the Accumulation Period. Rider Withdrawals stop the guaranteed growth in the Income Account Value.

ThelongeryouwaittotakeWithdrawalsunderIncomeEdgePlus,thehigheryourguaranteedpayout.Becausethe7.2%hasalongertimetoaccumulateinterest,resultinginahigherIncomeAccountValue.Seethechartbelow.

Income Account Value - $100,000 Initial Premium7.2%GuaranteedInterestfortheFirst10ContractYears

IncomeEdgePlus03

JerryandPamknowthattherearemanyrisksassociatedwithretirement—suchasrisinghealthcarecosts,increasinglongevityandunexpectedlifeevents.Buttheyalsoknowthattheyneedtogrowtheirassetsinpreparationforwhentheyplantostopworkinginfiveyears.

So, they purchase an Aviva Fixed Indexed Deferred Annuity with $100,000and also purchase Income Edge Plus.

ContractYearsofIncomeDeferral

IncomeAccountValue@7.2%GuaranteedGrowth

NoWait $100,0001 $107,2002 $114,9183 $123,1934 $132,0625 $140,5146 $151,7647 $162,6118 $174,4059 $186,96210 $200,423

$157,93110-Afterrestart $200,423

11 $214,85412 $230,32313 $246,90614 $264,68415 $283,74116 $304,17017 $326,07018 $349,54719 $374,71520 $401,694

In this example there are no Withdrawals. The hypothetical Income Account Values used in this chart were provided to further explain how the Restart feature could potentially affect Contract values.

5

10

$141,571

OncetheRestartiselected,the7.2%guaranteedgrowthwillcontinueforanew10yearperiod,unlessRiderWithdrawalsareelectedpriortotheendofthe10-yearperiod.

Assumingnoriderwithdrawalshavebeentaken,contractownershavetheoptiontorestarttheAccumulationPeriodonorafterthe5thContractAnniversary.

$200,423

Restart Example

Restart Accumulation Years

IncomeEdgePlus04

AttainedAgeatTimeofElection

SingleAnnuitantIncomePercentage

JointAnnuitantsIncomePercentage*

JerryandPam’sExample

50-54 3.5% 3.0%55-59 4.0% 3.5%60-64 4.5% 4.0%65-69 5.0% 4.5% $155,428x5.0%70-74 5.5% 5.0% =$7771.4075-79 6.0% 5.5%80-84 6.5% 6.0%85-89 7.0% 6.5%90+ 7.5% 7.0%

Distribution Period: Guaranteed Income & ControlDuringtheDistributionPeriodyouarelookingtoprovideforafinanciallyindependentandcomfortableretirement,securetheassetsyou’veaccumulatedandminimizerisk,whilemaintainingthesamestandardoflivingthatyouenjoyedduringtheAccumulationPeriod.IncomeEdgePlusgivesyoutwooptionsfortakingRider Withdrawals—the Income Withdrawal andthe Lifetime Income Withdrawal.TheseoptionsbothprovideguaranteedpayoutpercentageswhilestillallowingyoutomaintaincontrolofyourAnnuity.Youcanstartandstopincomepaymentsasyouwish,asmanytimesasyouwish.StartingIncomeEdgePlusWithdrawalswillstopthe7.2%guaranteedgrowthintheIncomeAccountValue.Income WithdrawalTheIncomeWithdrawalisavailableimmediatelyuponissueandallowsyoutoreceiveapercentageofyourIncomeAccountValueorAdjustedAccumulatedValue(whicheverisgreater)annuallyuntilthevaluereacheszero.ThepercentisbasedonyourageatthetimeyouchoosetostartRiderWithdrawals.ThemaximumannualIncomeWithdrawallimitsforeachagerangeareasfollows:

$200,423x5.0%=

$10,021.15 annually

*Based on the age of the younger Annuitant. Joint Annuitants must be spouses. Taxable amounts withdrawn prior to age 591/2 may be subject to a 10% IRS penalty tax.

Maximum Lifetime Income Withdrawal Percentages

ThehypotheticalamountinthisexamplewastakenfromtheIncomeAccountValuechartonpage2(assumed7.2%guaranteedgrowthfor10years,noWithdrawals,norestarts.)

Age IncomeWithdrawalLimit40-84 6.5%

85-89 7.0%

90+ 7.5%

BecausethepayoutpercentsarehigherthanwithLifetimeIncomeWithdrawals,thisoptionisattractiveforthosewhomaynotneedtheirAnnuityforlifetimeincome,butwouldlikeaguaranteedpaymentamountforacertainnumberofyears.

Lifetime Income WithdrawalThisWithdrawaloptionisavailableimmediatelyuponissue(mustbeage50orolder)andallowsyoutoreceiveguaranteedincomeforlifeonamonthly,quarterlyorannualbasis.YourIncomeEdgePlusLifetimeIncomeWithdrawalsarebasedonapercentageofyourIncomeAccountValueorAdjustedAccumulatedValue(whicheverisgreater)shownintheMaximumLifetimeIncomeWithdrawalPercentageschartbelow.

PriortothefirstelectedIncomeEdgePlusWithdrawaltheincomepercentageincreaseswhenyouenteranewagebracket.OnceyouelectanIncomeEdgePlusWithdrawal,yourincomepercentageislockedinforyourlife.PaymentamountsareguaranteedtoneverdecreaseaslongasyoudonotelectexcessWithdrawals;however,theamountcouldincreasebasedontheautomaticStep-Upfeaturedescribedlaterinthisbrochure.

IncomeEdgePlus05

Usingthehypotheticalexampleonthepreviouspage,JerryandPam’sannualLifetimeIncomeWithdrawalpaymentis$10,021.15.IfJerrybecomesconfinedandmeetstheConfinementrequirementsatthetimeofascheduledRiderWithdrawal,theycanelecttheincomedoublertotheLifetimeIncomeWithdrawalpercentageasshownbelow:

These Withdrawals will not be considered in excess of the Free Withdrawal amount and therefore are not subject to a Withdrawal Charge or Market Value Adjustment. The increased income payment during the Confinement period will cause future Income Withdrawals to be reduced by the same amount that the Contract’s Accumulated Value is reduced as a result of the increased income payment.

If Lifetime Income Withdrawals were started prior to Confinement, the original Rider Withdrawal will be in place once Confinement eligibility requirements are no longer met. Using the increased income percentage payout example above, the Lifetime Income Withdrawal is guaranteed to go back to $10,021.15 once the increased income payments stop.

JointAnnuitants’IncomePercentage

IncomeDoubler

5.0% 5.0x2=10.0%5.0% 5.0%x2=10.0%

$200,423x10.0%=$20,042.30

JerryandPam’sExample

Distribution Period: Confinement Feature Income Doubler* IncomeEdgePlusprovidesafeaturethatcandoubletheRiderWithdrawalPercentageduringatimeofConfinementformedicalcare,becausethismaybethetimeyouneedadditionalincomethemost.

Income Withdrawal MultiplierAfterthefirstContractYear,IncomeEdgePlusprovidesafeaturethatmayincreaseyourRiderWithdrawalpercentageintheeventyouareconfinedtoaqualifiedcarefacility.IfyoumeetalltheConfinementrequirements(seetheCertificateofDisclosureforfulldetails)andelecttotriggerthisfeature,yourriderincomeamountwillbedoubled.

Eligibility RequirementsToreceivethisbenefit,youmustbeconfinedtoaqualifiedcarefacilityfor180daysina250dayperiod.AlthoughthequalifyingConfinementPeriodcanbeginduringthefirstContractYear,theincreasedRiderWithdrawalpercentageisnotavailableuntilthesecondContractYear.Inaddition,youmustbeconfinedatthetimeoftheIncomeWithdrawaltoreceivetheincomedoubler.Oncetheconfinementperiodends,theRiderWith-drawalpercentagewilladjustbacktotheoriginalincomepercentage.PleaseseetheIncomeEdgePlusCertificateofDisclosureforfullConfinementeligibilityrequirements.

Ahypotheticalexampleofhowthisfeatureworksisshownattheright.

TenyearsafterJerryandPampurchasedIncomeEdgePlus,theydecidetobegintakingIncomeWithdrawals.AlthoughtheycouldhavestartedtakingWithdrawalsimmediatelyuponissue,theyunderstoodthatthelongertheywaitedtobegintakingIncomeEdgePlusWithdrawals,themorethecontractvalueswouldgrowandthehighertheirannualWithdrawalpercentagewouldbe.TheydecidedtowaittotakeWithdrawalsuntilage70.

Now, after 10 contract years, you’ll see that their Income Account Value is $200,423.00, their Income Edge Plus Withdrawal percentage has increased to 5.0%, and their first Income Edge Plus Withdrawal amount is $10,021.15 of guaranteed annual income for the rest of their lives (see Maximum Lifetime Income Withdrawal Percentages chart on page 4).

IncomeEdgePlus06

* Availability may vary by state. See disclosure for details.

Distribution Period: Creating a LegacyDuringthisphaseyouarealsolookingtoprovideforthetransitionanddistributionofyourassetsandwealthtoyourbeneficiaries.

Income Edge Plus Spousal Continuation

SpousalBeneficiaryIftheOwner’sspouseisthesoleprimaryBeneficiaryandelectstocontinuetheContract,thebenefitsofIncomeEdgePlusalsocontinue,providingbothofthefollowingconditionsaremet:

Surviving spouse’s attained age on the date of death is at least equal to the minimum issue age requirement for this Rider (age 40); andThe spouse becomes the sole Annuitant and sole Owner of the Contract.

IfthespousalbeneficiaryassumestheContractbeforeanyIncomeWithdrawalshavebeentaken,theRidersimplycontinuesintheAccumulationPeriod.SpousalcontinuationdoesnotrestarttheWithdrawalChargescheduleforthebaseAnnuityContract.IfRiderWithdrawalswerestartedpriortothetimeofspousalcontinuation,thespousecan:

Elect to receive Income Withdrawals until the Income Account Value is equal to zero, at which time the Withdrawals will stop and the Contract will terminate; orContinue to receive Lifetime Income Withdrawals if the surviving spouse is a Joint Owner on the date of death of the first Owner.

Non-SpousalBeneficiaryIncomeEdgePluswillterminateuponthedateofdeathoftheOwnerandanyremainingAccumulatedValuewillbepaidinalumpsumtothebeneficiaries.

Automatic Step-UpOneachContractAnniversaryfollowingyourfirstelectedIncomeEdgePlusWithdrawal,youareeligibleforaStep-Up.TheannualRiderWithdrawalamountwillbeautomaticallyincreased(stepped-up)ifyourAdjustedAccumulatedValueexceedsthepriorhighestIncomeAccountValueatthetimeyoubegantakingWithdrawalsunderIncomeEdgePlus.You must notify the Company if you do not want the amount of your Rider Withdrawals automatically increased.

Excess WithdrawalsWithdrawalsinexcessofthemaximumIncomeWithdrawalorLifetimeIncomeWithdrawalpercentageswillcausefutureWithdrawalstobereducedonaproratabasis.Additionally,WithdrawalsinexcessoftheallowedpercentagesaresubjecttoapplicableWithdrawalChargesandMarketValueAdjustmentsassociatedwiththeBaseContract.TheMVAisnotapplicableinallstates.

IRS Required Minimum Distributions (Qualified annuities or IRAs)ForQualifiedannuitiesorIRAs,theIRSrequiresindividualstowithdrawaminimumamountannuallyfromtheirretirementaccountstartingatage701/2.ThiswithdrawaliscalledaRequiredMinimumDistribution(RMD).IncomeEdgePlusisRMD“friendly,”meaningifyourRMDamountexceedsyourannualRiderWithdrawalamount,youcanstilltaketheRMDamountandtheExcessWithdrawalwillnotbesubjecttoapplicablechargesoradjustments.RMDswillbeconsideredpartoftheavailableWithdrawalundertheAnnuityContract.

IncomeEdgePlus07

AvivahasaffiliatedwithMayoClinictoprovideyouwiththefollowingexclusivebenefitsinanefforttohelpyouunderstandtheimportanceofahealthylifestyle

Ask Mayo ClinicWheneveryouoryourfamilyhaveahealth-relatedquestion,theanswercouldbejustatoll-freecallaway.Callthe“AskMayoClinicNurseLine”anytimearound-the-clocktospeakwithanexperiencedregisterednursethatdrawsontheresourcesofMayoClinictoansweryourquestions.

Quarterly Mayo Clinic NewsletterEverythreemonths,you’llreceivetheMayoClinicEmbodyHealthnewsletterwithimportantinformationonwellnessandhealthyliving.

Wellnessservicesprovidedby

Wellness for Life® BenefitsRetirementisatimetoenjoyfamily,friendsandalsotheassetsyou’veworkedsohardtobuild.IncomeEdgePlusgivesyoutheabilitytoturnthoseassetsintoincomethatisguaranteedtolastaslongasyourretirement.ThisuniqueRideroffersanadditionalbenefittohelpwithsomethingelsethatisimportantduringretirement-yourhealth.

JerryandPam’sstoryisnotunlikemostpeoplenearingretirement—theywanttominimizerisk,accumulatewealthanddistributethatwealthinordertoprovideforatransitionoftheirassets.

Their purchase of an Aviva Fixed Indexed Deferred Annuity with Income Edge Plus was an important part of their retirement planning. It helped provide them with the growth, security, access and control they needed to handle their needs today, while also giving them income options for their tomorrows. Plus, they have unique benefits from Mayo Clinic Health Solutions that can help them lead longer, healthier lifestyles.

ItisanticipatedthatWellnessforLife®serviceswillbeprovidedbyMayoClinicHealthSolutionsforthelifeoftheProgram.Itispossiblethattheproviderand/ormenuofWellnessServicesmaychangeorbeenhancedatsomefuturedate.Availabilitymayvarybystate.WellnessforLife®benefitsandservicesarenotavailableinallstates.

IncomeEdgePlus08

Income Edge Plus Details

IncomeEdgePlusmustbepurchasedatContractissue.ItcanbecancelledanytimeduringthefirstContractYearorafterthefifthContractYear.

CostThereisanannualchargeforIncomeEdgePlusbeginningimmediatelyatissue.ThischargeiscalculatedusingtheIncomeAccountValueasofthepriorAnnuityContractAnniversary;andisdeductedmonthlyfromtheContract’sAccumulatedValue.ThecostforthisRiderisguaranteedforthelifeoftheRider.However,iftheOwnerelectstorestarttheAccumulationPeriod,theannualRidercostmaybeincreasedtotherateineffectonthedateoftherestart.Thechargeisguaranteedtoneverbegreaterthanthemaximumrateof1.0%.

IncomeEdgePlusisofferedwithAvivaannuitiesandcannotbeelectedwithoutpurchasingtheAnnuityContract.RefertotheContractandIncomeEdgePlusCertificateofDisclosureforcompletedetails.

PremiumAllocationYoumayelecttoaddadditionalPremiumstoyourContractatanytime,evenafterstartingRiderWithdrawals.AdditionalPremiumsmadeontheContractAnniversarydatemaybeallocatedtoanycombinationoftheFixedStrategyandtheIndexedInterestCreditingstrategies.AnyadditionalPremiumsnotmadenotonaContractAnniversarydateareautomaticallyallocatedtotheFixedStrategyandmaybereallocatedtoindexedstrategiesonthefollowingContractAnniversary.

IfadditionalPremiumsaremadeafterstartingRiderWithdrawals,theadditionalPremiumisaddedtoyourAdjustedAccumulatedValue.BecausethepercentageofyourWithdrawalisbasedonyourIncomeAccountValue,yourWithdrawalamountwillnotchangeatthattime.However,ifduetotheadditionalPremiumyourAdjustedAccumulatedValuethenexceedsyourpriorhighestIncomeAccountValueonyournextContractAnniversary,yourIncomeAccountValuewillstepupautomaticallywhichwillthenincreaseyourIncomeWithdrawalamount.

IncomeEdgePlus09

Thisbrochurecontainshighlightsonly.PleaserefertotheIncomeEdgePlusContractforafullexplanationofthisRiderandanychargesorlimitations.NeitherAvivanoritsrepresentativesofferlegal,tax,accountingorinvestmentadvice;pleaseconsultaprofessionalspecializingintheseareas.IncomeEdgePlus[formAIRW(02/08)orstatevariation],anoptionalRiderforwhichanannualpremiumischarged,isissuedbyAvivaLifeandAnnuityCompany,WestDesMoines,IA.Productfeatures,limitationsandavailabilityvarybystate.

Annuitiesareinsuranceproductsbackedbytheclaims-payingabilityoftheissuingcompany;theyarenotFDICinsured;arenotobligationsordepositsof,andarenotguaranteedorunderwrittenbyanybank,savingsandloanorcreditunionoritsaffiliates;areunrelatedtoandnotaconditionoftheprovisionortermofanybankingserviceoractivity.Taxableamountswithdrawnpriortoage591/2maybesubjecttoa10%IRSpenaltyinadditiontoordinaryincometax.

JerryandPam’sstoryrepresentsthatofmanypeopleapproachingretirementnationwidewhocanresteasiertodayiftheyhaveplannedwellfortomorrow.

*This is a hypothetical story.

IncomeEdgePlus10

Wearehonoredthatyou’veputyourtrustinAviva.Wewon’tletyoudown.

Asyoureadthis,thousandsofAvivaassociatesarefocusedonourthree-lettermissionstatement:

You

We’remakingbusinessandinvestmentdecisionsthatwillensurewecanmeetourobligationstoyouandyourlovedones.

We’redevelopingnewwaystoprovidebetterservicetoyou.

We’rechallengingourselvestoreinventthewaywelookatlifeinsuranceandannuities,sowecancontinuetomeetthefinancialneedsofachangingworld—yourworld.

Mostofall,we’redrawingontheexperienceofourparentcompany,Avivaplc,withtheirmorethan300-yearlegacy.Astheoldestcontinuouslyoperatinginsurancegroupintheworld,Avivahasenduredandthrivedthroughcenturiesofwarandpeace,boomsandrecessionsandconstantchange.Thehighsandlowshavetaughtustobepreparedsoyoucancountonus,especiallyduringtimesofuncertainty.

Youcancountonustobeherewhenyouneedus.

55439 (Rev.8/10)

Products issued byAvivaLifeandAnnuityCompany

7700MillsCivicParkwayWestDesMoines,IA50266-3862

www.avivausa.com