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%: 1 through 12 months after purchase payment receipt.1%: 13 through 24 months after purchase payment receipt.2%: 25 through 36 months after purchase payment receipt.3%: 37 through 48 months after purchase payment receipt.4%: 49 through 60 months after purchase payment receipt.5%: 61 through 72 months after purchase payment receipt.6%: 73 through 84 months after purchase payment receipt.7%: 85 months or more after purchase payment receipt. b)All premiums paid after the first Contract Anniversary following the insured’s 80th birthday.