Guaranteed Minimum Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) basic death benefit, or 2) Guaranteed Minimum Death Benefit. Basic death benefit will be greatest of - 1) purchase payments adjusted for withdrawals, 2) contract value, or 3) contract value on any contract anniversary, prior to annuitant's 80th birthday, adjusted for purchase payments made and reduced for withdrawals; if annuitant is age 81 or older at issue, basic death benefit will be equal to contract value. Initially Guaranteed Minimum Death Benefit equals purchase payments made, thereafter Guaranteed Minimum Death Benefit is lesser of - 1) total purchase payments made, multiplied by two and adjusted for withdrawals, or 2) Guaranteed Minimum Death Benefit, with assets in subaccounts increased by 6% annually, prior to annuitant's 81st birthday, except assets allocated in GE Investments Funds, Inc. - Money Market Fund, plus any additional purchase payments made, adjusted for withdrawal.