Wealth Transfer Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be equal to -1) contract value; 2) WTB additional benefit. WTB additional benefit will determine - i) WTB threshold; 2) WTB gain; and 3) WTB benefit base. WTB threshold is total purchase payments, adjusted for withdrawals which exceed WTB earnings. For WTB gain, owner will take contract value and subtract the benefit threshold. Issuer will calculate WTB benefit base by taking 50% of WTB benefit gain and adding that to total contract value. WTB additional benefit is equal to benefit base minus contract value. Maximum WTB additional benefit can never be more than five times of WTB threshold or $5,000,000, whichever is less. Maximum WTB threshold use to calculate WTB gain will equal $1,000,000. For purposes of applying WTB threshold cap, Issuer will divide purchase payments into covered and uncovered portions, covered portion equals the benefit threshold and uncovered portion equals any remaining purchase payments. Issuer will impose a charge on dollar basis, based upon the age of the owner ranges from $10.63 (Max - $13.28) for age 61 and $434.60 (Max - $524.34) for joint owner's age 95, based upon the age of the owner. Rider charges are deducted monthly pro-rata from Contract Value invested in the Sub-accounts.