Additional Death Benefit

Available during accumulation phase only. Upon death of annuitant, Issuer will add 40% of earnings (25% if owner ages between 71 to 80) to any death benefit payable under contract. Earnings are equal to contract value at death, minus contract value at rider and purchase payments made after death, plus withdrawals. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Ownership may be changed to spouse without terminating benefit.