Highest Daily Death Benefit

Benefit is only available in conjunction with Highest Daily Lifetime Income 2.1 or Spousal Highest Daily Lifetime Income 2.1. At contract issue, benefit is equal to unadjusted account value. On each subsequent valuation day, until the date of death of the decedent, benefit amount will be the greater of - 1) unadjusted account value; and 2) highest daily death benefit, increased by any purchase payments made, reduced by the effect of withdrawals. Non-Lifetime and excess lifetime withdrawals will proportionately reduce the highest daily death benefit. Lifetime withdrawal that is not considered as excess withdrawal will reduce the benefit amount by dollar amount. Owner must select an Asset Allocation Program.