Enhanced Death Benefit

Available during accumulation phase only. Upon death of owner, Benefit will be 1) Benefit base; multiply by 2) 0.40. Benefit base equals lesser of a) Contract Value minus Net purchase payments which is purchase payments adjusted for withdrawals. On each contract anniversary, Net purchase payments is reset to the lesser of Net purchase payments or contract value as of that contract anniversary, and b) 200% of Adjusted NP (Net Purchase payments). Adjusted NP is Net purchase payments reduced by purchase payments paid within a certain time prior to date that proof of death is received. If this date occurs in second contract year, all purchase payments paid in the second contract year reduce NP. If this date occurs after the second contract year, only purchase payments paid within the 12-month period prior to this date reduce NP.