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. Each contract year, owner may withdraw up to 5% of Annual Increase Amount, and Annual Increase Amount will be reduced by dollar amount withdrawn. If in any contract year cumulative withdrawals exceed Annual Increase Rate multiplied by Annual Increase Amount at the beginning of contract year, the Annual Increase Amount will be reduced in same proportion that entire withdrawal reduced contract value. Owner may elect either one time optional step-up or automatic annual step-up, to reset guaranteed amount equal to contract value until age 80, automatic annual step-up will continue until 7th anniversary, owner may re-elect this option. Owner must select an Asset Allocation Program.