5% Guaranteed Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) total purchase payments adjusted for withdrawals, or 2) roll-up value. Roll-up value compounded at 5% annually, prior to owner or annuitant's 85th birthday adjusted for withdrawals and subsequent payments. Roll-up value can never be more than 200% of adjusted purchase payment withdrawals.