Inheritance Enhancer Death Benefit

Available during the accumulation phase. Upon the death of the owner, the benefit will be greater of - 1) Account Value and 2) Death benefit base. Death benefit base is equal to initial purchase payment, increasing by roll-up credits and additional purchase payments. On any contract anniversary, an owner may choose to reset death benefit amount if the annuity's account value exceeds the benefit base, a new 10-year roll-up period will begin and rider charge may increase. This Rider is available after the fifth contract anniversary and replaces the annuity contract’s death benefit if owner chooses oneof two death benefits -1) Lump - sum; 2 ) Annuitization.