Equity Assurance Plan

The death benefit is the greater of:(1) The Contract Value (2) An amount equal to (a) plus (b)- (a) Total premiums paid up to the first Contract Anniversary following 85th birthday, adjusted for surrenders, and accumulated with compound interest based on the time elapsed:0% per annum for the first 24 months. 2% per annum for the 25th through 48th months. 4% per annum for the 49th through 72nd months. 6% per annum for the 73rd through 96th months. 8% per annum for the 97th through 120th months. 10% per annum (maximum for 10 years) if death occurs more than 120 months from the date of premium payment. b) All premiums paid after the first Contract Anniversary following the insured’s 85th birthday, adjusted for surrenders.