Guarantee of Principal Death Benefit

Only accessible during the accumulation phase, this policy guarantees that upon the owner's demise, the death benefit will be greater of the 1) contract value; or 2) sum of all purchase payments adjusted for withdrawals. If the owner elects the i4LIFE Advantage rider, the GOP Death Benefit is only accessible alongside i4LIFE Advantage and is payable during the Access period exclusively. At the owner's demise, the GOP death benefit amount will be reduced by the Regular Income Payments (if GOP DB is greater than the contract value) made under the i4LIFE Advantage rider, on a dollar basis. Consequently, regular income payments under i4LIFE Advantage might pause until the death claim gets approved. Once approved, a lump sum settlement will be disbursed as of the claim approval date, after which remaining regular income payments (if applicable) will recommence as usual. Furthermore, the Base contract expenses under the GOP DB rider will rise by 0.40% due to i4LIFE Advantage rider charges, resulting in new contract charges of 0.50%, assessed daily. Additionally, annual advisory fee withdrawals up to 1.25% of the contract value will not be considered as withdrawals for the death benefit calculation. However, if advisory fee withdrawals exceed 1.25% of the contract value, they will be treated as excess withdrawals under the rider and will consequently reduce the benefit amount provided by the rider.