5% Accumulation Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawals, 3) 5% accumulation death benefit floor. 5% Accumulation Death Benefit Floor is sum of contract value in guaranteed account and variable account floor. Variable account floor is amount allocated to sub accounts and DCA fixed account, increased at 5% annually on each contract anniversary prior to earlier of - 1) annuitant or owner's 81st birthday, or 2) death. Variable account floor does not calculated prior to first contract anniversary.