Asset Protection Death Benefit

The Death Benefit, known as the Loss Protection Death Benefit in the Contract, is the highest of 1) Contract Value, minus any Payment Enhancements credited within 12 months of death or after death. 2) Contract Value, minus any Payment Enhancements credited within 12 months of death or after death, plus 25% of total Premium Payments (excluding any made within 12 months of death or after death). 3) Premium Payments, adjusted for partial surrenders. Not available with the Premium Protection Death Benefit