Guarantee of Principal Death Benefit

If elected individually, will be available in accumulation phase only, if elected in combination with i4LIFE Advantage, will be available in Access Period only. Upon death of owner or annuitant, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. The benefit is available as default death benefit upon election no other death benefit at issue. Upon Death of owner, if death benefit elected in combination with i4LIFE Advantage, Regular Income Payments under the i4LIFE Advantage may be suspended until the death claim is approved. Upon approval, a lump sum payment for suspended payments will be made on the date and remaining will be continued as Regular Income Payments. If lump sum option is elected, proceeds will be mailed within 7 days of approval of death claim.