Earnings Enhancement Plus with Maximum Anniversary Account Value Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals, or 4) highest account value. Highest account value is equal to highest contract value calculated on any contract anniversary, prior to annuitant's 81st birthday, increased by purchase payments and reduced for withdrawals made since that date. Issuer will add 40% of earnings (25% if annuitant's age between 70 and 79) to death benefit payable under contract. Earnings are amount by death benefit base exceeds adjusted purchase payments. Before 7th contract anniversary maximum benefit equals 100% (40% if annuitant's age is between 70 and 79) of net purchase payments and after 7th contract anniversary, maximum benefit can be 100% (40% if annuitant's age is between 70 and 79) of difference between net purchase payments made and purchase payments made within 12 months prior to death. Please see prospectus for details.