Basic Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greatest of - 1) contract value, 2) total purchase payments adjusted for withdrawals, 3) highest anniversary value calculated on any contract anniversary, prior to death or owner's or 80th birthday (75 if age at issue 61 or older ), if later, or 4) rollup amount. Rollup amount is equal to total purchase payments adjusted for withdrawal, compounded at 4% (3% for WA) annually, prior to owner's 80th birthday (75 if age at issue 61 or older), increased by purchase payment made and reduced for withdrawals.