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.