Enhanced Death Benefit II

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, or 2) Death benefit base. Death benefit base is greater of - 1) highest anniversary value, or 2) annual increase amount. Highest anniversary value initially equals initial purchase payment adjusted for withdrawals and subsequent payments, thereafter on any anniversary prior to owner's 81st birthday, will be recalculated and set equal to greater of highest anniversary value prior to recalculation. Annual increase amount initially equals initial purchase payment, thereafter, adjusted for withdrawals and subsequent payments, compounded at 5% annually from rider effective date to contract anniversary prior to owner's 91st birthday.