Basic Death Benefit

Available during accumulation phase. Upon death of annuitant age 85 or younger at contract issue, prior to 7th contract anniversary, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals, thereafter, benefit will be greatest of -1) contract value on seventh contract anniversary adjusted for withdrawals and subsequent payments, 2) total purchase payments adjusted for withdrawals, or 3) contract value. Please see prospectus for details.