Annual Ratchet to Age 85 Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value or 2) Annual Ratchet to Age 85 benefit base. Benefit base 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. Issuer charges 0.30% of benefit base in state NY.