Greater of 5% Roll-Up to Age 85 or Annual Ratchet to Age 85 Enhanced Death Benefit

Benefit is only available in conjunction with Guaranteed Minimum Income Benefit. Upon death of owner, benefit will be greater of - 1) 5% Roll-up to Age 85, or 2) Annual Ratchet to Age 85. 5% Roll-up to Age 85 is equal to total purchase payment plus daily roll-up adjusted for withdrawals, prior to owner's 86th birthday. Effective annual roll-up rate credited to benefit base is 5% of variable account value (2% for some selected sub-accounts and fixed account value, 2% in some states). Annual Ratchet to Age 85 is equal to greater of - 1) total purchase payments, or 2) highest contract value on any contract anniversary, prior to owner's 86th birthday adjusted for withdrawals added to any purchase payments made. If elected with Greater of 5% Roll-Up to Age 85 or Annual Ratchet to Age 85 Enhanced Death Benefit, Roll-Up benefit bases for both are reset simultaneously.