Annual Increase Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be equal to contract value at rider date plus purchase payment made after rider effective date adjusted for withdrawals accumulates at 5% (3% in some states) until earlier of - 1) owner or annuitant's prior to 80th birthday, or 2) death. Issuer provides benefit base cap which is equal to 200% of contract value plus 200% of purchase payment made after rider effective date.