Enhanced Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawals, 3) maximum anniversary value, or 4) 5% accumulation death benefit floor. Maximum Anniversary Value, at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each contract anniversary Maximum Anniversary Value is equal to highest contract value calculated at any contract anniversary, prior to owner or annuitant's age 81. 5% Accumulation Death Benefit Floor is sum of contract value in guaranteed account and variable account floor. Variable account floor is amount allocated to sub accounts and DCA fixed account, increased at 5% annually on each contract anniversary prior to earlier of - 1) owner or annuitant's 81st birthday, or 2) death. Variable account floor does not calculated prior to first contract anniversary.