Additional Death Distribution+ Rider

Available during accumulation phase. Amount of benefit depends on amount of time that has elapsed since rider date as - if death benefit is payable within first five rider years, benefit amount will be equal to sum of all rider fees paid since rider date, thereafter, rider benefit base multiplied by rider benefit percentage. Rider benefit base at any time is equal to contract value less purchase payments made after rider date. Benefit percentage equals 30% for issue ages 0 to 70 (20% for issue ages 71 to 75). Please see prospectus for details.