5% Premium Roll-Up Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals, or 4) 5% Premium Roll-Up Death Benefit. 5% Premium Roll-Up Death Benefit equal to total purchase payments accumulated at 5% annually until earlier of - 1) annuitant's 80th birthday, or 2) death benefit amount equals twice of adjusted purchase payments.