Equity Assurance Plan

The death benefit is the greater of:1) Contract Value Minus Premium Enhancement paid during the 24 months before the date of death. 2)Greatest Contract Value at Any Seventh Anniversary less an Premium Enhancements received in the 24 months before death plus any premiums paid after that Anniversary and Reduce this amount proportionally for any surrenders made after the Anniversary. 3) amount equal to a) plus b) where, a)Based on total premiums paid up to the first Contract Anniversary after turning 85, adjusted for surrenders. Accumulated with compound interest based on the time elapsed since each premium payment:0% for the first 24 months2% for 25-48 months4% for 49-72 months6% for 73-96 months8% for 97-120 months10% (up to 10 years) for more than 120 months. b)Based on premiums paid after the first Contract Anniversary after 85, adjusted for surrenders.