Combination Enhanced Death Benefit Option

Available during accumulation phase. Upon death of annuitant and if total purchase payments made to contract is equal to or less than $3,000,000, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; 3) highest anniversary value, prior to annuitant's 81st birthday reduced for withdrawals and increased by purchase payments made; or 4) 5% interest anniversary value. 5% interest anniversary value is equal to purchase payments, accumulated at 5% annual compound interest prior to annuitant's 81st birthday, adjusted for withdrawal. Total accumulated amount, after the withdrawal adjustment, shall not exceed 200% of purchase payments adjusted for withdrawals.