5% Roll-Up Guaranteed Minimum Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; or 3) roll-up value. Roll-up value is equal to total purchase payment accumulated at 5% annually until owner or annuitant's age 80 thereafter increase by purchase payment and reduced for withdrawals till owner or annuitant's age 84. Total accumulated value can never be more than 200% of adjusted purchase payment.