5% Accumulation Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) return of purchase payments value, 3) 5% accumulation death benefit floor, or 4) surrender value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. 5% Accumulation Death Benefit Floor is sum of contract value in Excluded Accounts Base (regular fixed account and guaranteed period account) and variable account floor. Variable account floor is Protected Account Base (amount allocated to sub accounts and Special DCA fixed account) increased at 5% annually on each contract anniversary prior to earlier of - 1) owner's 81st birthday, or 2) death. Transfer to and from PAB to EAB will increase or decrease respective bases in same proportion.