5% Roll-Up Guaranteed Minimum Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; or 3) roll-up value. Roll-up value is equal to total purchase payment accumulated at 5% annually until owner or annuitant's age 80 thereafter increase by purchase payment and reduced for withdrawals till owner or annuitant's age 84. Roll-up value for attained ages 85 is greater of - 1) contract value or 2) total purchase payments adjusted for withdrawals. Total accumulated value can never be more than 200% of adjusted purchase payment.