Return of Purchase Payments Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value; or 2) return of purchase payments value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. Owner may elect this benefit if age 81 or older at issue. If all owners are age 80 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.