EarningsMax Death Benefit

Available during accumulation phase. Upon death of owner, Issuer will add 40% of earnings (25% if owner ages between 70 to 75) to any death benefit payable under contract. Earnings is amount by which sum of contract value, including any contract enhancement, exceeds remaining purchase payments. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Benefit can never be more than 250% of purchase payments, excluding remaining premiums paid in the 12 months prior to the date of death.