Annual Death Benefit Reset

Available during the accumulation phase. Upon owner's demise, the greatest benefit among these options will be provided to the beneficiary: 1) standard death benefit, 2) ADBR Reset Value (increases with additional purchase payments and adjusted by withdrawals), or 3) any other death benefit value outlined in the contract. The ADBR reset value is recalculated on every reset anniversary, until the owner's 85th birthday. On the first contract anniversary, the ADBR reset value is determined as the greatest of 1) the Accumulation Value on that anniversary or 2) the return of premium death benefit value. On subsequent anniversaries, it's the greatest of 1) the Accumulation Value on the current anniversary or 2) the ADBR reset value from the prior year, adjusted by any additional purchase payments and withdrawals. An ADBR Reset Value Proportional Reduction is an amount equals to the withdrawals made after the first contract anniversary, divided by contract's accumulation value preceding the withdrawal and multiplied by the ADBR Reset Value immediately preceding the withdrawal. This rider is not applicable to Inherited Non-Qualified policies. Furthermore, the contract has specific variations for certain states such as: 1) for the state of CO, an ownership change will then terminate the contract, 2) for the state of NY the rider is marketed with the name of Guaranteed Minimum Death Benefit Rider.