Enhanced 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, or 3) 7-year step-up amount. 7-year Step-up amount equals highest contract value calculated on any 7-year contract anniversary, prior to owner's age 80, increased by purchase payments made and reduced by withdrawals. Issuer imposes a charge of 0.05% of initial purchase payment at issue and then taken against contract value for subsequent contract years.