i4LIFE Advantage - Enhanced Guaranteed Minimum Death Benefit

Benefit is only available in conjunction with i4LIFE Advantage. Available during Access Period. Upon death of owner, benefit will be greatest of - 1) contract value, 2) purchase payments adjusted for regular income payments and withdrawals, or 3) highest contract value calculated at any contract anniversary, prior to earlier of - 1) 81st birthday, or 2) death, increased by purchase payments made and reduced for withdrawals. Regular income payments, including withdrawals to provide Guaranteed Income Benefits, reduce death benefit by dollar amount and withdrawals reduce death benefit in same proportion. Withdrawals will reduce highest contract value in same proportion. After Access Period ends, charge will be same as i4LIFE Advantage - Account Value death benefit.