Maximum Anniversary Value Death Benefit

Available during accumulation phase. Upon death of owner prior to age 83, benefit will be greatest of - 1) contract value, 2) net purchase payments, or 3)Maximum Anniversary Value: The contract value on any anniversary before the earlier of age 83 or date of death, adjusted for withdrawals and including any Purchase Payments made since that anniversary. For Contracts Issued Between Ages 83 and 86: The greater of:1) Contract Value 2)Lesser of :a)Net Purchase Payments b)125% of Contract Value. For Those Aged 90 or Older: If the person is age 90 or older at the time of death and has selected this option, the death benefit will equal the Contract Value. There will be no benefit from this option if the individual is 90 or older at the time of death.