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. A minimum death benefit is equal to purchase payment increase by credit enhancement and bonus credit, accumulated at 6% (3% for amounts allocated to Invesco V.I. Government Money Market, PIMCO Low Duration Subaccount, Fixed Account and Loan Account) annually. In crediting interest, a 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 the same proportion. Benefit base can never be more than 200% of purchase payment adjusted for withdrawals. Please see the prospectus for details.