Earnings Protection Benefit

Available during accumulation phase. Upon death of owner, the death benefit will be equal to the Death Benefit payable under the contract, plus 40% (25% if owner ages between 70 to 75 at the time of contract issue) of earnings, subject to a maximum of 250% of purchase payments remaining in the contract. Earnings is amount by which the sum of the contract value exceeds remaining premiums. If remaining premium is greater than the contract value no Earnings Protection Benefit will be paid. Advisory Fee Withdrawals of up to 1.25% of the Contract Value within a Contract Year will not impact the Death Benefit. However, withdrawals exceeding 1.25% of the Contract Value within a Contract Year will reduce the Earnings Protection Benefit. If only the Death Benefit is selected, the advisory fee cap increases to 1.50%. Participation in the Advisory Fee Withdrawal Program may reduce the earnings available under this benefit.