Premium Protection Plus Death Benefit

Benefit is only available in conjunction with 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, thereafter increased for additional purchase payments. Issuer provides one-time step-up of GMDB amount on 7th rider anniversary. If withdrawal is not an excess withdrawal does not decrease GMDB amount until annuitant's 85th birthday, after that GMDB amount is decreased 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.