Greater of Annual Step-Up or Annual Roll-Up Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawals, 3) annual step-up amount, or 3) annual roll-up amount. Annual step-up amount equals highest contract value calculated on any contract anniversary, prior to owner's age 81, increased by purchase payments made and reduced by withdrawals. Annual roll-up amount equals total purchase payments accumulated at 5% annually, prior to owner's age 80, increased by purchase payments made and reduced for withdrawals, since previous contract year.