Inheritance Enhancer

Available during the accumulation phase. Upon the death of the owner, the benefit will be greater of - 1) Account Value and 2) Death benefit base. Death benefit base is equal to initial purchase payment, increasing by rollup credits and additional purchase payments. On any contract anniversary, an owner may choose to reset death benefit amount, if the annuity's account value exceeds the benefit base, new 10-year rollup period will begin and rider charge may increase. Rollup credits cannot increase the benefit base to more than the rollup cap 250% of the purchase payments. Rider's death benefit is available after the fifth contract anniversary and one of the 2 options may be selected - 1) Lump sum - death benefit amount equal to the account value plus 50% of the difference between account value and benefit base amount, or 2) Annuitization (paid for life or fixed period of five years) - death benefit amount will be equal to the account value plus the entire difference between the account value and benefit base amount.