Return of Principal Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be equal to total purchase payments allocated to guaranteed benefit variable investment options plus amounts transferred to guaranteed benefit variable investment options reduced by withdrawals from guaranteed benefit variable investment options. Owner must participate in Asset Allocation Program. If Guaranteed benefit is funded after contract issue, benefit may be cancelled after the later of: 1) four years from the date contract issued, or 2) contract date anniversary following the first transfer or contribution to the Guaranteed benefit variable investment options, either directly or through Special DCA program.