Inheritance Enhancer

The Inheritance Enhancer is an optional Guaranteed Death Benefit Rider available at issue to ages 50-85. The death benefit base is an amount used to determine the rider death benefit and can increase through rollup credits and resets. At the end of each year during the 10 year rollup period, the death benefit base will increase by 8% of all purchase payments made in the first contract year (including applicable bonuses). May also reset the death benefit base to the account value, if it is greater, on any contract anniversary, which will begin a new 10 year rollup period and may incur an increased rider charge. After the fifth contract anniversary, the rider death benefit may replace the death benefit under the contract. Maximum rollup cap equals 250% of the rollup base. Beneficiaries can choose to receive a lump sum payout or to annuitize the death benefit base amount (over at least five years). The initial Rider Charge is 0.95 % of the Death Benefit Base and is deducted from the Account Value on each contract anniversary. A refund of all rider charges will be given if a death benefit under the base contract is paid if the insured dies during the first five years or the non-insured joint owner dies at any time. Availability may vary by state.