Enhanced Death Benefit Rider

Available during accumulation phase. The benefit is equal to the greater of Enhanced Death Benefit A ;- on the Issue Date is equal to the initial Purchase Payment. On each Contract Anniversary, benefit will recalculate to equal the greater of Contract Value, or the most recently calculate Death Benefit value A. Benefit value will also recalculate when making of an additional Purchase Payment or a partial withdrawal or , Enhanced Death Benefit B is equal to :- total Purchase Payments made reduced by a withdrawal. Each Purchase Payment and each withdrawal adjustment will accumulate daily at a rate equivalent to 5% per year until the earlier of the date:- 1) death benefit or 2) the first day of the month following the oldest Contract Owner/Annuitant's 85th birthday. It may not be available in all states.