Return of Principal Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) protected benefit account value, or 2) benefit base. Benefit base is equal to - 1) initial contribution and any subsequent contributions to the protected benefit account variable investment options, either directly or through a special DCA program; plus 2) any amounts contributed to a special DCA program that are designated for future transfers to the protected benefit account variable investment options; plus 3) any amounts transferred to the protected benefit account variable investment options, less 4) deduction that reflects any withdrawals you make from the protected benefit account variable investment options or from amounts in a special DCA program designated for the protected benefit account variable investment options. Return of Principal death benefit is available in connection with Protected Benefit account value only.