Enhanced Death Benefit

Available during accumulation phase, upon death of annuitant, benefit will be greatest of - 1) total purchase payments adjusted for withdrawals, 2) highest anniversary value, 3) purchase payments with interest, or 4) contract value. Highest anniversary 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. Purchase Payments with interest is equal to initial purchase payment increased by subsequent purchase payment made reduced for withdrawals, accumulated at 6% annually prior to annuitant's 81st birthday. Issuer may add or replace annuitant before annuitant's 81st birthday and annuitant is age 80 or older on issue date. If taken along with Guaranteed Income Benefit, benefit fee is 0.05%.