Account Value Death Benefit

Available in accumulation phase only. Upon death of owner, death benefit value will be equal to contract value. If i4LIFE Advantage is elected, Account Value Death Benefit will be available only in Access Period and in conjunction with i4LIFE Advantage only. Upon Death of owner, if death benefit elected in combination with i4LIFE Advantage, Regular Income Payments under the i4LIFE Advantage may be suspended until the death claim is approved. Upon approval, a lump sum payment for suspended payments will be made on the date and remaining will be continued as Regular Income Payments. If lump sum option is elected, proceeds will be mailed within 7 days of approval of death claim.