Combo Death Benefit

Available during accumulation phase. Upon death of Annuitant, benefit will be greater of - 1) Contract Value; or 2) GMDB amount. Initial GMDB amount is equal to initial purchase payment. The GMDB amount is the greater of - 1) Step-Up Base; or 2) Roll-Up Base. On each contract anniversary until Annuitant's age 81, stepped-up death benefit amount will be reset to Contract Value, if greater than the existing step-up death benefit amount. Roll-Up Base amount is equal to - 1) annual credit death benefit amount, plus 2) an amount equal to the death benefit annual credit rate multiplied by the death benefit Annual Credit Calculation Base. Current Annual Credit rate is 6% simple interest. Benefit base amount will not be more than 2 times of total net Purchase Payments, adjusted for any withdrawal.