Guaranteed Minimum Income Benefit I - Asset Allocation

Benefit guarantees a minimum amount of fixed income under choice of a life annuity fixed payout option or a life with a period certain payout option. Annuity payments equal's income benefit applied to greater of - 1) benefit base, or 2) contract value. Benefit base depends on the choice of death benefit elected. Issuer will allows to reset the Roll-Up benefit base to equal the account value on any contract date anniversary through 1 of 3 chosen reset options - 1) One-time reset option, 2) Automatic annual reset program, or 3) Automatic customized reset program. If elected with Greater of 5% Roll-Up to Age 80 or Annual Ratchet to Age 80 GMDB I both benefits will be rolled-up simultaneously. Benefit can be exercised within 30 days, of 15th contract anniversary and each contract anniversary thereafter if issue age is between 20-44; each contract anniversary after age 60 if issue age is between 45-49; of 10th contract anniversary and each contract anniversary thereafter if issue age is between 50-70; following contract anniversary at age 80 if issue age between 71-75. Not available with Inherited IRA. State variations may apply.