Standard Death Benefit

For all state except Louisiana, Oregon, and South Carolina Available during accumulation phase. Upon death of owner or annuitant, benefit will be contract value. If the annuitant or owner dies prior to retirement date, the amount of death benefit will be greater of -1) the Accumulated Value on the date the Company receives Notice; or 2) total Purchase Payments less any adjustment for partial surrenders and Surrender Charges as of the date the Company receives Notice; the adjustment of each partial surrender is equal to (a) divide by (b ) multiplied by the amounts in (2) or (3) prior to partial surrender where (a) is amount of partial surrender (with fees and charges ) and (b) is accumulated value immediately before partial surrender or 3) the death benefit that was in effect on any prior Anniversary that is divisible equally by 7, plus any Purchase Payments and less any partial surrenders made after that Anniversary. The Company will pay interest at an annual rate equal to or greater than 3% or any such other rate required by state law on the death benefit from the date it receives proof of death until the date of payment or until the date the death benefit is applied under a Benefit Option. For state of Louisiana, Oregon, and South Carolina Available during accumulation phase. Upon death of owner or annuitant, benefit will be contract value. If the annuitant or owner dies prior to retirement date, the amount of death benefit will be greater of -1) the Accumulated Value on the date the Company receives Notice; or 2) total Purchase Payments less any partial surrenders and Surrender Charges as of the date the Company receives Notice; or 3) the death benefit that was in effect on any prior Anniversary that is divisible equally by 7, plus any Purchase Payments and less any partial surrenders made after that Anniversary.