Annual Ratchet to Age 85 Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, or 2) Annual Ratchet to Age 85 benefit base. Annual Ratchet to Age 85 benefit base is equal to greater of - 1) total purchase payments, or 2) highest contract value on any contract anniversary, prior to owner's 86th birthday adjusted for withdrawals and subsequent payments. Upon exercise of the GMIB, the existing GMDB is replaced with a Modified Death Benefit equal to the GMDB benefit base as of the effective date. The Modified Death Benefit will not increase and will be reduced by withdrawals, including on a pro rata basis for any excess withdrawals. At death, the benefit payable will be the greater of the account value or the Modified Death Benefit (as adjusted). The Annual charge remains the 0.25% of Annual Ratchet to Age 85 benefit base.