Guaranteed Lifetime Income - Death Benefit

Available upon election of Guaranteed Lifetime Income. Upon death of owner, benefit will be equal to the Income Base prior to the income start date. Benefit base can never be more than 250% of the purchase payments; adjustment for withdrawals. After the income start date, the Enhanced Death Benefit will be reduced for any lifetime income withdrawals on a dollar for dollar basis. Any withdrawals in excess of the guaranteed lifetime income payments will reduce the Enhanced Death Benefit on a pro-rata basis.