Premier Protector Death Benefit

The Premier Protector DB death benefit option provides for a death benefit equal to the greater of the Highest Anniversary Value, or the 4% Increase Value. The Highest Anniversary Value and 4% Increase Value will continue to increase until the earlier of the following: (a) the date we receive due proof of death; (b) the date the acceleration period begins; or (c) the Last Increase Date which is the Contract Anniversary on or following the 85th birthday of the oldest Owner or the oldest Annuitant, in the case of an Owner who is not a natural person. The initial Highest Anniversary Value is equal to the Purchase Payments received on the Rider Effective Date. The Premier Protector DB provides the ability to accelerate the death benefit if the Owner or the Annuitant, if the Owner is a not a natural person, meets certain eligibility requirements.