Interest Enhanced Death Benefit

Interest Enhanced Death Benefit is an optional benefit that guarantees your death benefit will grow annually by the
amount of interest credited to your contract, plus an additional 2%, for either 20 years or until age 85, whichever is
earlier. The Initial benefit base is equal to the initial purchase payments (credit enhancements not included). Any subsequent purchase payments will also be added to the benefit base. On each contract anniversary, the benefit base will grow by the amount of interest (fixed and/or index-linked) credited to the contract, plus an additional 2% (compounded) for either 20 years or until age 85, whichever is earlier. Withdrawals reduce the benefit base proportionately. Beneficiaries will receive the greater of the benefit base or the standard death benefit amount upon the death of the first owner or last annuitant.