Additional Earnings Rider

The Additional Earnings Rider provides a supplemental death benefit to help offset taxes on annuity death benefits. It can be added for an additional charge during the accumulation period and may continue if the surviving spouse elects to keep the Contract. If there are multiple beneficiaries, each can choose whether to receive benefits under the rider or continue it with fees. The rider carries an annual charge of 0.35% of the annuity value during the accumulation period, which is deducted from the annuity value annually and pro-rata on the rider's termination date, but not during the income phase. The rider pays an Additional Earnings Rider Amount if the rider is in force, death benefit proceeds are payable, and there are rider earnings when death benefits are calculated. It can be elected when the Contract is issued or on any Monthiversary before age 75. Rider earnings are the death benefit proceeds minus the rider base, which is the annuity value or the death benefit proceeds on the rider date, whichever is greater.