Maximum 5-Year Anniversary Value Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) return of purchase payments value, or 3) maximum five-year anniversary value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. Maximum Five-Year Anniversary Value, at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each fifth anniversary Maximum Five-Year Anniversary Value is equal to highest contract value calculated at any fifth anniversary, prior to owner's age 81.