Enhanced Death Benefit

Available during accumulation phase. if owner dies prior to age 81, the death benefit will equal the greatest of: (1) contract value, (2) the greatest anniversary value plus subsequent purchase payments and less any subsequent partial withdrawals, or 3) the sum of all net purchase payments, less any partial withdrawals. accumulated at a 4.5% annual rate of interest up to a maximum of two times each purchase payment and if owner dies after attaining age 81, the death benefit will equal the greatest of: (1) the contract value; (2) the greatest anniversary value prior to the last policy anniversary before the owner attained age 81, plus any subsequent purchase payments and less any subsequent purchase payments and less any subsequent partial withdrawals; and (3) the sum of all net purchase payments paid prior to the last Policy 7th anniversary value equals the accumulation value on a policy anniversary and any subsequent Purchase payments less partial withdrawals and undeducted premium tax.