Premium Protection Death Benefit

Benefit is only available in conjunction with Upon election of Guaranteed Lifetime Withdrawal Benefit Plus. Upon death of annuitant, benefit will be greater of - 1) contract value; 2) GMDB amount. Initial GMDB amount is equal to initial purchase payment. If Issuer adds rider on a subsequent contract anniversary, initial GMDB amount will be equal to current contract value. If withdrawals are less than or equal to annual benefit payment, death benefit will be reduced by dollar amount; excess withdrawal will reduce benefit base either in same proportion or by dollar-for-dollar amount, whichever results in lower benefit base.