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. RMD Wealth Guard Death benefit base will automatically reset, to the protected benefit account value, if protected account value is greater than the RMD Wealth Guard Death Benefit base, on each contract anniversary up to the earlier of 1) contract anniversary following first RMD withdrawal from Protected Benefit account; or 2) contract anniversary following owner's 85th birthday.