Maximum Five-Year Anniversary Value Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawal, or 3) Maximum Five-Year Anniversary Value. Maximum Five-Year Anniversary Value, at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each fifth anniversary Maximum Five-Year Anniversary Value is equal to highest contract value calculated at any fifth anniversary, prior to owner's age 81.