Income Select for Life - Death Benefit

Benefit is only available in conjunction with Income Select for Life. Upon death of annuitant, benefit is equal to contract value, at issue, thereafter, equal to death benefit at issue plus purchase payments made adjustments for withdrawals. Withdrawals up to withdrawal benefit base in a rider year will reduce death benefit by dollar-for-dollar amount; excess withdrawal in a rider year will reduce death benefit either in same proportion or by dollar-for-dollar amount, whichever results in lower death benefit. No additional death benefit is payable if a death benefit payable under contract exceeds Income Select for Life.