Enhanced Legacy Benefit

Available during accumulation phase. Upon death of owner (annuitant for state CA), benefit will be greatest of - 1) contract value, 2) ROPP value, 3) ADB value, or 4) MAV. ROPP Value, ADB Value and MAV are total purchase payments on contract issue date thereafter adjusted for additional purchase payments and withdrawals. On each contract anniversary prior to death, issuer will adjust these values as 1) on the first contract anniversary, issuer increase ADB value by 5%, multiplied by the ADB value as of 60 days after the contract date, thereafter on each contract anniversary and prior to age 81, increases ADB value by 5%, multiplied by prior contract anniversary's ADB value. 2) On each contract anniversary prior to age 86, MAV will be increased to the contract value if greater. Prior to age 86, charge is calculated by multiplying annual rider fee by greater of contract value, ROPP value, ADB value, MAV. On or after age 86, charge is calculated by multiplying annual rider fee by greater of the ROPP value, ADB value or MAV. For state CA, benefits provided under this rider are only payable at annuitant's death. Owner may not change the annuitant while this rider is in force, unless owner is annuitant and spouse becomes owner and annuitant under spousal continuation provision. After death benefit is payable, if owner is not annuitant, rider will terminate.