5% GMDBR85 Plus

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) contract value, or 2) GMDB amount. Initial GMDB amount is total purchase payments made within three months after contract issue. GMDB amount is adjusted for withdrawals and increased by 1) additional purchase payments made and 2) increase for each valuation period, until annuitant's age 85, at 5% annually for values in variable portfolios or in one of asset allocation models. Values in Money Market Portfolio which are not in asset allocation models will accumulate at lesser of 5% or rate being credited to Money Market Portfolio or Fixed Accumulation Account. During free look period, a different rate may apply in certain states. Withdrawals equal to or less than 5% of GMDB amount will reduce GMDB amount and maximum death benefit amount by dollar amount. Any withdrawals in excess of 5% of GMDB amount will reduce GMDB and maximum death benefit amounts in same proportion.