Legacy Lock

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) Enhanced Return of Premium, 2) Return of Premium, or 3) contract value. Enhanced Return of Premium component is equal to 100% of purchase payments, increased by subsequent purchase payment and reduce by withdrawals. Return of Premium benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. Subsequent Purchase payments after first contract anniversary after the rider effective date require Issuer's prior approval. Partial withdrawals that are not excess withdrawals will not reduce Enhanced Return of Premium prior to reaching Minimum Contract Value, but will reduce Base Return of Premium and Contract Value on a dollar for dollar basis. Excess withdrawals will reduce death benefit on a proportionate basis. Owner or annuitant must select an Asset Allocation Program. Fee for the rider is based on greater of - a) Enhanced Return of Premium, or b) Return of Premium Death Benefit on each contract anniversary.