Greater of One-Year or 5% Enhanced Death Benefit with Long-Term Care/Nursing Home Waiver and Spousal Protection

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawals, 3) highest contract value on any contract anniversary prior to annuitant's 86th birthday adjusted for withdrawals and subsequent payments, or 4) 5% interest anniversary value. 5% Interest Anniversary Value is equal to purchase payments adjusted for withdrawals, accumulated at 5% compound interest until last contract anniversary prior to annuitant's 86th birthday. Total accumulated amount may not exceed 200% of net purchase payments and amounts surrendered. Benefit also provides a Long-Term Care/Nursing Home Waiver and a Spousal Protection Feature.