Legacy Rider

Available during the accumulation phase, the death benefit is greater of the a) contract death benefit or b) the rider death benefit. Rider death benefit (or benefit base) initially is equal to the initial premium, thereby increasing with a simple interest credit on each contract anniversary, until the earlier of 1) the 10th contract anniversary, or 2) the contract anniversary following age 85. Interest credit will be calculated based on the premium less withdrawals multiplied by the benefit base guaranteed simple interest rate. Death benefit under the rider is payable under two different options - 1) Payout period - Benefit base paid out in equal payments over the death benefit payout period, currently 5 years, guaranteed not to exceed 10 years. 2) Lump Sum - Benefit base paid in lump sum is the average of the base contract death benefit and the benefit base. Also, rider has a waiting period of 2 years, before which if death benefit becomes payable, the rider charges will be refunded and the base contract death benefit will be paid.