Rising Floor Plus Death Benefit Enhancement

Available during accumulation phase. Upon death of annuitant, benefit will be equal to minimum death benefit amount minus greater of - 1) variable account value, or 2) total purchase payments made into Separate Account adjusted for any withdrawals. On contract date, minimum death benefit is equal purchase payments made into Separate Account; on first day of any calendar month prior to next contract anniversary, benefit is equal to minimum death benefit amount on first day of prior calendar month accumulates at 5% annually prior to annuitant's age 80, plus purchase payments made into Separate Account adjusted for withdrawal. Withdrawal will reduce benefit base either in same proportion or by dollar-for-dollar amount, whichever results in lower benefit base. Benefit base can never be more than $1,000,000. Benefit is payable until age 95. Issuer imposes monthly charges depending on attained age of annuitant and amount of death benefit enhancement - $0.208 for annuitant's age 40 or younger as of prior contract anniversary (Max - $17.292 for annuitant's age 90-94 as of prior contract anniversary) per $1,000, as per prescribed schedule for various attained age bands.