Highest Anniversary Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, 1) If total purchase payments made to the contract is less than or equal to $3 million, benefit will be greatest of - a) contract value, b) total purchase payments adjusted for withdrawals, or c) highest contract value on any contract anniversary prior to annuitant's 80th birthday adjusted for withdrawals and subsequent payments. 2) If total purchase payments made to the contract are greater than $3 million, benefit will be determined by A*F+B*(1-F); where A = greatest of - a) contract value, b) total purchase payments adjusted for withdrawals, or c) highest contract value on any contract anniversary prior to annuitant's 80th birthday adjusted for withdrawals and subsequent payments; B = Contract Value; and F = the ratio of $3 million to the total of all purchase payments made to the contract. Benefit Option also includes the a Long-Term Care/Nursing Home and Terminal Illness Waiver. Additionally there is a feature that provides an Enhanced Contract Value, equal to the standard or optional death benefit amount, even if the contract is fully surrendered at no additional cost, provided there is a surrender of the contract after the first contract anniversary and the annuitant is critically ill.