Earnings Enhancement Benefit Premier with 5% 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. Issuer will add 45% of earnings (25% if owner's age is between 70 to 79) to death benefit base. Earnings equal sum of contract value, including any contract enhancement, exceeds remaining purchase payments. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Benefit base can never be more than 100% (40% if annuitant's age is between 70 to 79) of adjusted purchase payments minus purchase payments made within 12 months prior to death.