Enhanced Earnings Plus Death Benefit

Available during accumulation phase. Upon death of owner, if death benefit elected in combination with MAV Death Benefit or 5-year MAV Death Benefit, Issuer will add - 1) 40% (15% if owner is age 70 or older) of earnings to any death benefit payable under contract and 2) a certain percentage, (ranges from - 0% to 20%) of purchase payments made during first 60 days from contract issue adjusted for withdrawals. Earning is amount equal to applicable death benefit minus remaining purchase payments. Earnings at death may not be less than zero and more than 250% of remaining purchase payments that are one or more years old. If there is no exchange of purchase payments received then the EEP rider will be converted into an EEB rider after the 30 days warning.