Maximum Anniversary Account Value combined 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, 4) highest account value, or 5) 5% premium roll-up death benefit. 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. 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.