Guaranteed Growth 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) guaranteed growth death benefit. Guaranteed growth death benefit is equal to purchase payment accumulated at 3%, 5%, 6% or 7% annually, until earliest of - i) annuitization, ii) contract anniversary following annuitant's 80th birthday, iii) death, or iv) six-month anniversary of owner's death, thereafter increase by credit enhancements and adjusted for withdrawals. If rider is elected with 5%, 6%, or 7% interest rate option, Issuer will credit maximum rate of 4% for amounts allocated to Dreyfus General Money Market Subaccount or Fixed Account. Benefit base can never be more than 200% of purchase payment adjusted for withdrawals. Please see prospectus for details.