Increased Death Benefit Guarantee Rider

The Increased Death Benefit Guarantee Rider is an optional rider which guarantees that the death benefit is equal to no less than initial premium paid less withdrawals, plus 5% of premium less withdrawals for each full Contract Year completed, until age 85 or until the rider’s death benefit is equal to 200% of premium paid (reduced for withdrawals), whichever comes first. This rider will pay the greater of the Increased Death Benefit Guarantee and the Contract’s Death Benefit, if a death benefit is paid under the Contract. The Increased Death Benefit Guarantee is determined at the beginning of each Contract Year and immediately after any withdrawal.