6% Dollar for Dollar Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; or 3) minimum death benefit. Minimum death benefit is equal to purchase payment increase by credit enhancement and bonus credit, accumulated at 6% (3% for amounts allocated to Rydex SGI VT Money Market, PIMCO Low Duration Subaccount, Fixed Account and Loan Account) annually. In crediting interest, timing of Purchase Payment and withdrawal occurred and accrues such interest will be considered until earlier of - 1) annuitization, 2) contract anniversary following annuitant's 80th birthday, 3) death, or 4) 6 month anniversary of owner's date of death. Withdrawals will reduce benefit base by dollar amount if owner withdraws up to and equal to 6% of initial benefit base any excess withdrawal will reduce benefit base in same proportion. Benefit base can never be more than 200% of purchase payment adjusted for withdrawals.