Enhanced Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, prior to annuitization or lock-in date, benefit will be greatest of - 1) contract value, 2) total purchase payments accumulated at 5% annually and adjusted for withdrawals, or 3) highest contract value calculated on any contract anniversary, prior to owner's 75th birthday adjusted for withdrawal and subsequent payments. Lock-in date is contract owner's 75th birthday or 5th year after rider effective date. Issuer applies a charge - 0.15% of contract value (for NY and WA). After lock-in date, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. For NY and WA, benefit will be greater of - 1) contract value, or 2) highest contract value calculated on any contract anniversary, prior to owner's 75th birthday adjusted for withdrawal and subsequent payments. Please see prospectus for details.