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.