4% Roll-Up Death Benefit

Owner may elect during accumulation phase only. Upon death of owner, benefit will be greatest of - 1) contract value, 2) net purchase payments, compounded at 4% (3% if owner is age 70 or older at issue) annually until contract anniversary preceding owner's 81st birthday, or 3) contract value at seventh contract year or as of contract anniversary preceding owner's 81st birthday, whichever is earlier, increased by purchase payments made compounded at 4% (3% if owner is age 70 or older at issue) annually until contract anniversary preceding owner's 81st birthday.