Increased Death Benefit Guarantee Rider

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value or 2) increased death benefit guarantee. Increased death benefit guarantee is equal to - a) Premium paid adjusted for withdrawals; multiplied by b) One plus increased death benefit guarantee factor. Increased death benefit guarantee factor is equal to Death Benefit Guarantee Rider Annual Benefit Increase; multiplied by lesser of 10 and number of Contract Anniversaries occurred on or before the date of death. Factor will not increase after Contract Anniversary next following owner's 85th birthday. Benefit Guarantee equal to no less than initial premium adjusted for withdrawals, plus 5% of premium less withdrawals for each full Contract Year completed, until the 10th Contract Anniversary, or until age 85, whichever comes first.