Earnings Protection Benefit

Available during accumulation phase only. Issuer will add an amount equal to 50% of eligible gain (30% if owner's age is between 70 to 75) to any death benefit payable under contract (base coverage). Eligible gain is lesser of - 1) contract gain, or 2) if death occurs during first contract anniversary - initial purchase payments adjusted for withdrawals or if death occurs after first contract anniversary - total purchase payment made prior to 12 months before death adjusted for withdrawals. For additional charge, Issuer provides optional coverage at contract issue. If owner dies after 5th contract year, Issuer will add an amount equal to 50% of optional gain (30% if owner's age is between 70 to 75) to base coverage. Optional gain is Optional Coverage Percentage multiplied by initial purchase payment adjusted for withdrawals; minus difference of total purchase payments and contract value, if contract value is less than total purchase payment adjusted for withdrawals.