IncomeSustainer Plus - Death Benefit

Benefit is available upon election of IncomeSustainer Plus. Benefit base amount, which is account value on the date of issue or reset election, increased by subsequent rollup credits and purchase payments and reduced for excess withdrawals. Benefit is available if the insured dies after five contract years and replaces the death benefit available with the annuity. Lump sum and annuitization payout options are available for the rider death benefit, and beneficiaries will be able to choose the death benefit payment option most attractive to them at the time of settlement.