Retirement Benefits Rider - Enhanced Death Benefit

Upon death of owner, enhanced death benefit base will be equal to the greater of the 1) benefit base as of the date of death plus the Enhanced Death Benefit Partial Term Adjustment Amount; or 2) benefit base floor as of the date of death. The Enhanced Death Benefit Partial Term Adjustment Amount is equals to the Benefit Base Adjustment Participation Rate of 150% multiplied by the Dollar Amount of Interest. The Dollar Amount of Interest for the Fixed Account is the actual interest credited since the most recent anniversary to the date of death. The Dollar Amount of Interest for the Indexed Account is the portion of the index term elapsed as of the date of death multiplied by the dollar amount of interest that would apply in using the date of death as the term end date. The enhanced death benefit is payable in a series of equal payments over the enhanced death benefit payout period of 5 years. The Benefit Base is equal to the initial Benefit Base plus the Benefit Base Annual Net Adjustment Amount, less any adjustments for withdrawals. Initial Benefit Base is set on the rider issue date, including Benefit Base Bonus. Benefit Base can never fall below the Benefit Base Floor available under the rider. Initially the Benefit Base Floor is equal to the initial Premium amount, thereafter reduces by any partial surrenders. The Benefit Base Annual Net Adjustment Amount is equal to the Benefit Base Adjustment Participation Rate of 150% multiplied by the Net Interest Credit Dollar Amount. The Net Interest Credit Dollar Amount is calculated on each contract anniversary, reduced by any applicable strategy charges and rider charges, during the Benefit Base Adjustment Period. Benefit Base Adjustment Period is determined by the age of the covered person on the issue date. Benefit Base Adjustment Period is 20 years for issue ages under 65; and reduces by 1 year for every 1 year increase in issue age, until reaching to the adjustment period of 15 years for issue ages 70 and above.