Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be equal to - 1) contract value, 2) adjusted purchase payments or 3) Enhanced Death Benefit Base. Enhanced death benefit base is equal to initial purchase payment at rider issue. After rider effective date, Enhanced death benefit base will be equal to highest contract value at any contract anniversary following annuitant's 80th birthday. Withdrawal will adjusted the benefit base to greater of - 1) dollar amount of withdrawal or 2) amount of withdrawal multiplied by ratio of contract value before the withdrawal. Contract value will be immediately credited with purchase payment enhancement for every purchase payment.