Return of Purchase Payments Death Benefit

Available during accumulation phase only. Upon death of owner (any Annuitant for Non-Natural Owners), benefit will be equal to the greater of - 1) Contract Value or 2) Total Adjusted Purchase Payments. If owner change, the total adjusted purchase payments will be reset to equal the lesser of -1) Contract Value as of the effective date of the Owner change or 2) Total Adjusted Purchase Payments as of Change Date.