<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019d2864-6c13-73dc-af24-9a205a87e498,g:861ae091-ed79-40c7-a100-8f4c83feb43f-->
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    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexStrategicIncomeGMWBJointMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexStrategicIncomeGMWBJointMember"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_MarketGuardStretchMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_MarketGuardStretchMember"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_ReturnOfPremiumGMDBMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_ReturnOfPremiumGMDBMember"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexDBCoreMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexDBCoreMember"/>
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