Legacy Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit value will be the greater of either a) basic death benefit or b) the lesser of either the rider benefit limit or 80% of the benefit calculation base, adjusted for withdrawals; where rider benefit limit is the greatest of a) 125% of the greater of 1) the policy value; or 2) the accumulation value adjusted for withdrawals and recapture amount, or b) the lessor of 1) the net single premium less amounts withdrawn, accumulated daily at an annual effective interest rate of 10%; or 2) 250% of the cumulative adjusted premium, or c) the accumulation value plus 50% of the cumulative growth, where cumulative growth is the accumulated value adjusted for cumulative adjusted premium and any applicable recapture amount. Benefit calculation base, at issue equals to the initial premium paid plus an Immediate interest credit of 5%.