Total Protection - Guaranteed Growth Death Benefit at 5%

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; or 3) guaranteed growth death benefit at 5%. Guaranteed growth death benefit is equal to purchase payment accumulated at 5% annually, until earliest of - i) annuitization, ii) contract anniversary following annuitant's 80th birthday, iii) death, or iv) six-month anniversary of owner's death, thereafter increase by credit enhancements or bonus credits and adjusted for withdrawals. Benefit base can never be more than 200% of purchase payment adjusted for withdrawals. Owner may elect to step-up benefit base after 5th rider anniversary or 5th reset anniversary. Please see prospectus for details.