Guarantee of Principal Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. Upon Death of owner, if death benefit elected in combination with i4LIFE Indexed Advantage, Death Benefit will be equal to the greater of the 1) Account Value as of the Valuation Date; or 2) the sum of all purchase payments, reduced by Periodic Income Payments under the i4LIFE Indexed Advantage rider, RMDs and all other withdrawals. Periodic Income Payment reduces the purchase payments on dollar-for-dollar basis. Advisory Fee Withdrawals up to 1.25% of the Contract Value within a Contract Year will not negatively impact the Death Benefit. However, Advisory Fee Withdrawals exceeding 1.25% of the Contract Value within a Contract Year will negatively affect the Guarantee of Principal Death Benefit.