Earnings Enhancement Plus with 5% Roll-Up Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals, or 4) 5% Premium Roll-Up Death Benefit. 5% Premium Roll-Up Death Benefit equal to total purchase payments accumulated at 5% annually until earlier of - 1) annuitant's 80th birthday, or 2) death benefit amount equals twice of adjusted purchase payments. 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 which 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.