Compounded-Plus Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value or, 2) enhanced death benefit value. Enhanced death benefit value is greater of - 1) highest anniversary value, or 2) annual increase amount. Highest anniversary value equals highest contract value on any contract anniversary prior to owner's 81st birthday adjusted proportionately for withdrawals and increased by purchase payments made. Annual increment amount equals initial purchase payment plus additional purchase payments made within 120 days increased for 5% annual increase rate prior to owner's 81st birthday adjusted for withdrawals. Each contract year, owner may withdraw up to 5% of Annual Increase Amount, and Annual Increase Amount will be reduced by dollar amount withdrawn. Please see prospectus for details.