5% Rollup Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) purchase payments adjusted for withdrawals and tax, 2) contract value, or 3) 5% Rollup Death Benefit. 5% Rollup Death Benefit equals initial purchase payment at issue, thereafter benefit base is lesser of - 1) 200% of purchase payments, or 2) Rollup Death Benefit, compounded at 5% annually, and adjusted for withdrawals and taxes.