Benefits Rider - Enhanced Death Benefit

Upon death of owner, if spousal continuation option is not elected under the Benefits rider, than the beneficiary may choose to elect either Option 1 - The Basic Death Benefit; or Option 2 - The Enhanced Death Benefit. Upon death of owner, enhanced death benefit base will be equal to the greater of the 1) benefit base; or 2) benefit base floor; subject to a death benefit maximum. The rider death benefit maximum is greater of 1) 250% multiplied by the total premium less gross partial surrenders; or 2) 125% multiplied by cash surrender value. The enhanced death benefit is payable in a series of equal payments over a period of five years.