Return of Premium Death Benefit Plus (ROPDB Plus)

During accumulation phase, upon death of owner, benefit will be greater of - 1) contract value, 2) purchase payments, or 3) ROPDB Plus death benefit. On each contract anniversary, ROPDB Plus death benefit will be increased by the amount in the ROPDB Plus Interest Account on the day immediately prior to the contract anniversary. Issuer will increase the ROPDB Plus Interest Account by an amount equal to the ROPDB Plus Daily Factor multiplied by the ROPDB Plus Basis. ROPDB Plus Daily Factor is based upon a simple interest rate of 3% divided by 365 (a daily factor equal to 0.00008219). Under the ROPDB Plus death benefit, the Adjusted Withdrawal Amount is equal to the dollar amount of the withdrawal from the ROPDB Plus Interest Account. If the dollar amount of the withdrawal is in excess of the dollar amount in the ROPDB Plus Interest Account, the Adjusted Withdrawal Amount is increased by the greater of 1) dollar amount of the withdrawal, or 2) in same proportion. The Death Benefit can be combined for 0.50% charge.