RMD Wealth Guard Death Benefit

Available during accumulation phase. Upon death of Owner, benefit base is initial and any subsequent contributions to Protected Benefit account variable investment options thereafter increased by any allocations and transfers to the Protected Benefit account. The RMD Wealth Guard withdrawal service is not available under QPDC contracts & withdrawals will reduce benefit base in same proportion. If Protected Benefit account value falls to zero before the owner reaches age 95, or before the owner's death Issuer will 1) Issue a supplementary contract with same owner and beneficiary; 2) Owner will receive periodic refund payments based on the value of death benefit base on the day Protected Benefit account falls to zero until the value of benefit base is returned; 3) Unless amounts allocated to Investment account, contract will also terminate; and 4) Any remaining RMD payments from the Investment account will continue uninterrupted. This rider is available for Traditional IRA, SEP AND QPDC contracts only. For state DE maximum charge is 1.40%.