Enhanced Death Benefit
Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) Enhanced death benefit A; or 2) Enhanced death benefit B. Enhanced death benefit A, at contract issue is equal to initial purchase payment; after contract issue is equal to highest contract value on all contract anniversaries prior to date Issuer calculate this benefit. Issuer will continuously adjust Enhanced Death Benefit A, until owner or annuitant's 85th birthday, thereafter increase by purchase payment and reduced for withdrawals. Enhanced Death Benefit B is equal to total Purchase Payments, reduced by withdrawals accumulated at 5% annually, until earlier of - 1) death; or 2) owner or annuitant's 85th birthday, thereafter increase by purchase payments and reduce for withdrawals.