Interest Enhanced Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1)contract value or 2) guaranteed minimum surrender value. On each contract anniversary, the benefit base will grow by the amount of interest (fixed and/or index-linked) credited to the contract, plus an additional 2% (compounded) for either 20 years or until age 85, whichever is earlier. Withdrawals reduce the benefit base proportionately. The roll-up period will end upon attainment of the Maximum Roll-Up Amount.