ARDBR

Benefit is only available in conjunction with GMIB Plus with Annual Reset. Upon death of annuitant, benefit will be greater of - 1) contract value; or 2) GMDB amount. GMDB amount is equal to - 1) earnings base; or 2) step-up base. Initial earnings base is total purchase payments made within three months after contract issue. Earnings base is adjusted for withdrawals and increased by 1) additional purchase payments made; and 2) increase for each valuation period, until earlier of - i) annuitant's age 85; or ii) 10th anniversary following last step-up, at 6% 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 6% or rate being credited to Money Market Portfolio or Fixed Accumulation Account. Withdrawals equal to or less than 6% of earning base will reduce earning base by dollar amount. Any withdrawals in excess of 6% of earning base will reduce earning base in same proportion. Step-up base equals initial purchase payments at rider issue, thereafter will increase automatically on each contract anniversary, until annuitant's age 85, if contract value is higher than step-up base, increased by subsequent purchase payment made and adjusted for withdrawals in same proportion. Annuitant may elect to reset GMBD amount equal to contract value by resetting GMIB Plus with Annual Reset.