Enhanced Guaranteed Minimum Death Benefit

Only accessible during the accumulation phase, Available for IRA, Roth IRA and Non-qualified flexible premium deferred annuity contracts. If the annuitant dies before the annuity commencement date the for flexible and single premium contracts death benefit will be greater of 1) Contract value or 2) higher of a) Contract Value at the end of the valuation period when the EGMDB becomes effective (b)the sum of all purchase payments less the sum of all withdrawals, partial annuitizations and premium taxes incurred, if any; and (c) Highest Contract Value at the end of any contract anniversary (up to and including age 75) after electing the EGMDB. Furthermore, the Base contract expenses under the EGMDB rider will rise by 0.30% due to i4LIFE Advantage rider charges, resulting in new contract charges of 1.65%, assessed daily. If the i4LIFE Advantage EGMDB is discontinued during the Access Period, the death benefit becomes the Account Value death benefit and cannot be reinstated. If i4Life is elected upon death of owner or annuitant, benefit will be greatest of - 1) contract value, 2) highest contract value calculated at any contract anniversary, prior to earlier of - 1) 81st birthday, or 2) death, increased by purchase payments made and reduced for withdrawals.