Guarantee of Principal Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. The benefit is available as default death benefit upon election no other death benefit at issue. If the owner elects the i4LIFE Advantage rider, the GOP Death Benefit is only accessible alongside i4LIFE Advantage and is payable during the Access period exclusively. At the owner's demise, the GOP death benefit amount will be reduced by the Regular Income Payments (if GOP DB is greater than the contract value) made under the i4LIFE Advantage rider, on a dollar basis. Consequently, regular income payments under i4LIFE Advantage might pause until the death claim gets approved. Once approved, a lump sum settlement will be disbursed as of the claim approval date, after which remaining regular income payments (if applicable) will recommence as usual. Furthermore, the Base contract expenses under the GOP DB rider will rise by 0.40% due to i4LIFE Advantage rider charges, resulting in new contract charges of 1.60%, assessed daily.