Premier II Death Benefit

Available during accumulation phase. Upon death of owner(or annuitant if owner is a non-natural person), benefit will be greatest of - 1) contract value; 2) total purchase payments; 3) 5% Increase Value; or 4) highest contract value. 5% Increase Value is equal to adjusted purchase payments compounded at 5% annually until owner's 80th birthday. 5% Increase Value can never be more than 200% of total purchase payments adjusted for withdrawals. Highest contract value is equal to greatest contract value calculated on any contract anniversary, prior to owner's 80th birthday, adjusted for withdrawals and subsequent payments. Issuer may limit subsequent purchase payments after the first contract year following the rider effective date to a cumulative total of $25,000, without prior consent.