Inheritance Enhancer

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) Account Value and 2) Death benefit base. Death benefit base is calculated by taking account value and increasing it by percentage of the difference between the death benefit base under the rider and the account value. At the end of each year during the rollup period, death benefit base will increase by 7% of all of purchase payments made in first contract year, including bonuses. On any contract anniversary, owner may choose to reset death benefit amount and 10-year rollup period will begin and rider charge may increase. Rollup cap equals 250% of rollup base.