Earnings Enhancement Guarantee Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, if annuitant was age 69 or younger, the benefit amount is equal to lesser of 1) 40% of earnings (25% if annuitant ages between 70 to 75), or 2) 40% of remaining purchase payments (25% if annuitant ages between 70 to 75), excluding any purchase payments made in the 12 months, adjusted for withdrawals. Earnings is amount by which sum of contract value, exceeds remaining purchase payments. On the contract date, remaining purchase payments are equal to initial purchase payments, plus any additional Purchase Payments added, minus the amount that each withdrawal exceeds the amount of earnings in the contract immediately prior to such withdrawal; and after the contract date, remaining purchase payments are equal to contract value plus any additional purchase payment, minus the amount that each withdrawal taken after the rider effective date exceeds the amount of earnings in the contract accumulated. Benefit is paid at the death of the owner or annuitant. If an owner who is not an annuitant dies, the death benefit value will equal the contract value.