EarningsMax Death Benefit

Available during accumulation phase. Upon death of owner, Issuer will add 40% of earnings (25% if owner issue ages between 70 to 75) to any death benefit payable under the contract. Earnings is amount by which sum of the contract value, exceeds remaining purchase payments. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Earning can never be more than 250% of premiums, in a contract year, earnings are being calculated. Advisory Fee Withdrawals of up to 1.25% of the Contract Value within a Contract Year will not impact the Death Benefit. However, withdrawals exceeding 1.25% of the Contract Value within a Contract Year will reduce the Earnings Protection Benefit. If only the Death Benefit is selected, the advisory fee cap increases to 1.50%. Participation in the Advisory Fee Withdrawal Program may reduce the earnings available under this benefit.