5% Step-Up Death Benefit

Available during accumulation phase only. Upon death of owner or annuitant, benefit will be greatest of - 1) EGMDB, 2) purchase payments adjusted for withdrawals. These Purchase Payments and withdrawals are accumulated at an annual rate of 5% from the date of the transaction to the earlier of the date of death of the deceased person or the contract anniversary immediately preceding the deceased person's 81st birthday. Each transaction is accumulated separately to a maximum of 200% of the transaction.