Beneficiary Earnings Enhancement - Extra II Death Benefit

Available during accumulation phase only. Amount of additional benefit depends on amount of time that has passed since rider date as - 1) If death benefit is payable within first five rider years, additional benefit amount will be equal to sum of all rider fees paid since rider date, or 2) If death benefit is payable after five rider years, additional benefit will be equal to rider benefit base multiplied by rider benefit percentage. Rider benefit base at any time is equal to contract value less purchase payments made after rider date. Benefit percentage equals 30% for issue ages 0 to 70 and 20% for issue ages 71 to 75, to any death benefit payable under contract.