IncomeSustainer Plus - Death Benefit

Benefit is available upon election of IncomeSustainer Plus. Upon death of owner, Benefit base will be equal to the account value on the date of issue or reset election, increased by subsequent rollup credits, purchase payments and reduced for excess withdrawals. At the end of each year during the 12-year income rollup period, income base is increased by 6% (simple interest) of all purchase payments received in the first contract year, including any applicable purchase payment bonuses. Before annual withdrawals begin, on any contract anniversary, owner has an opportunity to reset the death benefit base to the account value, if it is greater. If owner chooses to reset these amounts, a new 12-year income rollup period will begin and the rider charge may increase. After the fifth contract anniversary, the enhanced death benefit is available and replaces the basic death benefit. Lump sum amount of the benefit is the average of the account value and death benefit base amount at the time of death.