Enhanced Death Benefit Rider

Available during accumulation phase. Upon death of the owner or annuitant, the death benefit amount will be equal to the greatest of 1) contract value; 2) Settlement Value (that is, the amount payable on a full withdrawal of Contract Value); 3) total purchase payments adjusted for withdrawals; 4) the greatest of the Contract Values on each Death Benefit Anniversary; or 5) Enhanced Death Benefit Amount. The Enhanced Death Benefit, on the Issue Date is equal to the initial Purchase Payment. Thereafter, on each Contract Anniversary, benefit will be recalculated to equal the greater of 1) Contract Value, or 2) the highest contract value on each contract anniversary prior to owner's 85th birthday adjusted for subsequent purchase payments and withdrawals.