Return of Premium Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, 1) If total purchase payments made to the contract is less than or equal to $3 million, benefit will be greatest of - a) contract value, or b) total purchase payments adjusted for withdrawals; 2) If total purchase payments made to the contract are greater than $3 million, benefit will be determined by (A*F)+B*(1-F); where A = greatest of - a) contract value, or b) total purchase payments adjusted for withdrawals; B = Contract Value; and F = the ratio of $3 million to the total of all purchase payments made to the contract. Benefit Option also includes the a Long-Term Care/Nursing Home and Terminal Illness Waiver. Additionally there is a feature that provides an Enhanced Contract Value, equal to the standard or optional death benefit amount, even if the contract is fully surrendered at no additional cost, provided there is a surrender of the contract after the first contract anniversary and the annuitant is critically ill.