Basic Death Benefit

Available during accumulation phase. Upon death of annuitant, if annuitant is age 80 or younger at issue, 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, benefit will be greater of - 1) purchase payments adjusted for withdrawals and tax; or 2) Contract Value.