Annual Ratchet to Age 85 Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, or 2) annual ratchet to age 85 benefit base. Benefit base is equal to greater of - 1) initial purchase payment, or 2) highest contract value on any contract anniversary prior to owner's 86th birthday adjusted for withdrawals added to any purchase payments made.