Basic Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value; or 2) Minimum Death Benefit. During first 9 contract years, minimum death benefit equals total purchase payments, less withdrawals. After 9th contract year, minimum death benefit is greater of - 1) total purchase payments, less withdrawals; or 2) contract value on 9th contract year, plus all purchase payments made, less withdrawals, since then. Under certain conditions benefit base can never be more than $10,000,000.