LifeGuard Freedom Flex DB

Issuer applies a charge - 0.70% (Max - 0.70%) of benefit base for all states except WA; for WA - 0.72% (Max - 0.72%) of benefit base. Benefit is only available in conjunction with LifeGuard Freedom Flex - 6% Bonus and Annual Step-Up GMWB. Upon death of owner, benefit is greater of - 1) basic death benefit, or 2) GMWB death benefit. Basic death benefit is greater of - a) contract value, or b) total purchase payments adjusted for withdrawals. GMWB death benefit is equal to initial purchase payments adjusted for purchase payments made, Contract Enhancements and withdrawals. On 7th contract anniversary following rider date, GMWB Death Benefit will step up to contract value if contract value is greater than GMWB Death Benefit. Benefit Base can never be more than $5,000,000. Withdrawals will reduce benefit base by dollar amount for portion of withdrawal not defined as excess withdrawal and in same proportion by excess withdrawal. Features offered through this rider may be different in MO.