5% Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals, accumulated at 5% simple interest from date of each purchase payment or surrender to most recent contract anniversary prior to annuitant's 86th birthday. Total accumulated amount may not exceed 200% of net of purchase payments and amounts surrendered. Upon election of One-Year Step Up Death Benefit Option, Issuer will pay greater of two benefits elected.