Legacy Protection Plus - Death Benefit

Rider provides enhanced protection. Upon death of owner or annuitant, benefit will be greater of - 1) Minimum death benefit which is greater of a) total purchase payments adjusted for withdrawal; or b) unadjusted contract value; or 2) Roll up death benefit. Prior to the first anniversary of the Legacy Protection Plus Benefit Effective Date, the Roll-Up Death Benefit Amount is equal to the Death Benefit Base. The Legacy Protection Plus Roll-Up Rate is the rate that is multiplied by the Death Benefit Base each contract anniversary to determine the Roll-Up Amount. The Roll-Up Cap Amount equals the Death Benefit Base multiplied by the Roll-Up Cap Percentage and is the maximum possible Roll-Up Death Benefit Amount. Roll-up Death Benefit amount is increased by the roll-up amount each anniversary, until the earlier of proof of death received or roll-up cap date. Roll-Up Cap date is earlier of - 1) the date the Roll-Up Death Benefit Amount equals the Roll-Up Cap Amount, and 2) the anniversary of the Legacy Protection Plus Benefit Effective Date coinciding with or next following the date the Measuring Life reaches age 80.