Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value or 2) benefit base. Benefit base is greater of - 1) highest anniversary value or 2) annual increase amount. Highest anniversary value initially equals initial purchase payment, reduced for withdrawals and applicable charges, thereafter, on any anniversary prior to owner's 81st birthday, will be recalculated and set equal to greater of highest anniversary value before recalculation or contract value on recalculation date. Annual increase amount is equal to initial purchase payment, increased by purchase payments made within 120 days from contract issue less any withdrawals and applicable charges, compounded at 5% annually from rider effective date to contract anniversary prior to owner's 91st birthday adjusted for withdrawals. Owner may elect either one time optional step-up or automatic annual step-up, to reset benefit base equal to contract value until age 80, automatic annual step-up will continue until 7th anniversary owner may re-elect this option, if elected with GMIB Plus II Benefit. Issuer will reduce charge for age 70 to 75 to 0.85% upon election of rider with GMIB Plus II benefit.