Basic Death Benefit - Option Package I

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greatest of - 1) standard death benefit, 2) contract value, or 3) return of premium. Standard Death Benefit equals total purchase payments plus premium credit added after or within 12 months prior to death, reduced for withdrawals. Return of premium equals purchase payments made, excluding any premium credit, reduced for withdrawals. Owner may transfer from one option package to another on each contract anniversary.