Double Enhanced Death Benefit

Available during accumulation phase only. Upon death of annuitant, benefit will be greatest of - 1) contract value, 2) surrender value, or 3) Double Enhanced Death Benefit. Double Enhanced Death Benefit is greater of - 1) 6% annually compounding death benefit, or 2) Monthly Step-Up Death Benefit. 6% annually compounding death benefit equals total purchase payments, adjusted for withdrawals, compounded at 6% annually, to earlier of - 1) annuitant's death, or 2) 81st birthday. Monthly Step-Up Death Benefit equals highest contract value calculated on any contract monthly anniversary, prior to earlier of - 1) annuitant's death, or 2) 81st birthday, plus purchase payments made, less withdrawals, made after that contract anniversary. Owner must participate in Asset Allocation Program.