Greater of 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, 3) step-up amount, or 4) roll-up value. Step-up amount is equal to highest contract value calculated on each contract anniversary prior to owner or annuitant's 80th birthday thereafter increase by purchase payment and reduced for withdrawals till owner or annuitant's age 84. 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. Greater of Guaranteed Minimum Death Benefit for attained ages 85 is greater of - 1) contract value or 2) total purchase payments adjusted for withdrawals.