Legacy Lock

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) Enhanced Return of Premium, or 2) Return of Premium V. Enhanced Return of Premium component is equal to 100% of purchase payments, increased by subsequent purchase payment and reduce by withdrawals. Enhanced Return of Premium component of the rider is eligible for automatic one-time step-up. Cumulative partial withdrawals during contract year that are below or equal to Future6 Lifetime Benefit Payment will not reduce the Enhanced Return of Premium component of the Death Benefit, Cumulative partial withdrawals during Contract Year that are below or equal to Future6 Threshold Payment will reduce Enhanced Return of Premium on a dollar-for-dollar basis. Cumulative partial withdrawals during the contract year that exceed Future6 Lifetime Benefit Payment or Threshold Payment will reduce Enhanced Return of Premium on a proportionate basis. Return of Premium V benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. Future6 DB is payable in addition to Personal Pension Account Death Benefit. Subsequent Purchase payments in excess of $100,000 in aggregate are not permitted, while rider is in effect without Issuer's prior approval. Owner or annuitant must select an Asset Allocation Program. Fee for the rider is based on greater of - a) Enhanced Return of Premium, or b) Return of Premium V Death Benefit on each Contract Anniversary. Rider was formerly known as Future6 DB.