Greater of 6% Roll-Up to Age 85 or Annual Ratchet to Age 85 Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) 6% Roll-up to Age 85, or 2) Annual Ratchet to Age 85. 6% Roll-up to Age 85 is equal to initial purchase payment and additional purchase payments plus daily roll-up adjusted for withdrawals prior to owner's 86th birthday. Effective annual roll-up rate credited to benefit base is 6% of variable account value (3% for selected sub-accounts and fixed account value). Annual Ratchet to Age 85 is equal to greater of - 1) initial purchase payments, or 2) highest contract value on any contract anniversary prior to owner's 86th birthday adjusted for withdrawals added to any purchase payments made. If elected with Guaranteed Minimum Income Benefit, Roll-Up benefit bases for both are reset simultaneously.