Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, or 2) benefit base. Benefit base is greater of - 1) highest anniversary value, or 2) annual increase amount. Highest anniversary value initially equals initial purchase payment, increased by purchase payments made and reduced for withdrawals and applicable charges. On any contract anniversary prior to owner's 81st birthday highest anniversary value will be recalculated and set equal to greater of highest anniversary value before recalculation or contract value on recalculation date. Annual increase amount initially equals initial purchase payment, as increased by purchase payments made within 120 days from contract issue less any withdrawals and applicable charges, compounded at 5% annually from rider effective date to contract anniversary immediately preceding owner's 91st birthday less withdrawals. Owner may elect either one time optional step-up or automatic annual step-up, to reset benefit base equal to contract value until age 80, automatic annual step-up will continue until 7th anniversary owner may reelect this option, if elected with GMIB Plus II Benefit. Owner must participate in Asset Allocation Program.