Enhanced 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) maximum anniversary value, 4) 5% accumulation death benefit floor, or 5) surrender value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. Maximum Anniversary Value, at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each contract anniversary Maximum Anniversary Value is equal to highest contract value calculated at any contract anniversary, prior to owner's age 81. 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.