6% Dollar for Dollar Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value; 2) total purchase payments adjusted for withdrawals; or 3) guaranteed growth death benefit. Guaranteed growth death benefit is equal to purchase payment accumulated at 3%, 5%, 6% or 7% (6% and 7% are not available in state TX) annually, thereafter increase by credit enhancements or bonus credits and adjusted for withdrawals. If owner elect this rider at 5%, 6%, or 7% Issuer will credit maximum rate of 4% for amounts allocated to Rydex VT U.S. Government Money Market Subaccount; however, owner will pay rider charge applicable. In crediting interest, timing of Purchase Payment and withdrawal occurred and accrues such interest will be considered until earlier of - 1) annuitization, 2) contract anniversary following annuitant's 80th birthday, 3) death, or 4) 6 month anniversary of owner's date of death. Benefit base can never be more than 200% of purchase payment adjusted for withdrawals. Please see prospectus for details.