Enhanced Death and Income Benefit Combination Rider

The enhanced income benefit defines a minimum amount applied to the Payout Phase. This minimum amount is equal to what the value of the enhanced death benefit would be on the Payout Start Date. The enhanced income benefit will apply if the Contract Owner elects a Payout Start Date that: a) is on or after the tenth Contract Anniversary, and b) is prior to the Annuitant’s age 90. On the Payout Start Date, you may apply the greater of the Contract Value or the enhanced income benefit to the Payout Phase of the Contract. No Market Value Adjustment will be applied to the enhanced income benefit amount. The enhanced income benefit will only apply if the Income Plan selected provides payments guaranteed for either single or joint life with a period certain of at least: a) 10 years, if the youngest Annuitant’s age is 80 or less on the date the amount is applied; or b) 5 years, if the youngest Annuitant’s age is greater than 80 on the date the amount is applied.