Return of Premium GMDB - GMIB Version

Benefit is only available in conjunction with Guaranteed Minimum Income Benefit EXTRA. Upon death of owner, benefit will be greater of - 1) contract value, or 2) purchase payments adjusted for withdrawals. GMDB Base is reduced dollar-for-dollar for withdrawals up to the dollar-for-dollar limit, if requested withdrawal during the year causes total withdrawals to exceed the dollar-for-dollar limit GMDB Base then equal the current GMDB Base reduced in same proportion.