Return of Purchase Payments Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or 2) purchase payments minus adjusted partial surrenders. 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 76 or older at issue. This rider will be included in Standard Death Benefit, if owner is of age 75 or younger.