Basic Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals and applicable taxes. Withdrawals will reduce benefit base by dollar amount basis for any portion of withdrawals within a contract year up to 10% of aggregate purchase payments. Any withdrawal that causes cumulative withdrawal during the contract year to exceed 10% of purchase payments, the adjustment is dollar amount of the withdrawal that does not exceed 10% of purchase payments, and adjustment for the remaining portion is a factor applied to portion of Premium Payments that exceed 10% of purchase payments.