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Effective January 6, Annexus will be adjusting the Income Advantage Rider roll-up rate from 7% to 6.50%. The Family Endowment Rider roll-up rate will be adjusted from 5% to 4% for the BAA 12 and BAA 10 sales that do not include the Income Advantage Rider. The Income Advantage Rider will be discontinued from sales in the BPASelect product line. Effective January 27, agent compensation for all BAA contracts will be reduced by 0.50%. For updated rates and information, call your Sales Consultant. 800.992.2642