Enhanced Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greatest of -1) contract value, 2) purchase payments adjusted for withdrawals, 3) step-up value, or 4) roll-up death benefit value. Step-up value initially equals initial purchase payment adjusted for withdrawals, thereafter on any anniversary prior to annuitant's 80th birthday, will be recalculated and set equal to greater of step-up value prior to recalculation or contract value on recalculation date. Roll-Up death benefit value is equal to initial purchase payment, increased by purchase payments made, less any withdrawals and applicable charges, compounded at 5% annually from rider effective date to contract anniversary prior to annuitant's 80th birthday, thereafter adjusted for purchase payments made and withdrawals.