i4LIFE Advantage

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Initial benefit base is equal to contract value on periodic income commencement date. Issuer will establish Access Period (minimum 10 years and maximum till owner's age 115 for NQ and 100 for QP) at election of i4LIFE Advantage. During Access Period contract value will be increased or decreased by investment gains or losses respectively and will be reduced by regular and guaranteed income payments made and withdrawals taken. After Access Period ends, remaining contract value will be applied to continue regular income payments for life of annuitant. Amount of initial regular income payment is determined on periodic income commencement date by dividing contract value or purchase payment if elected at contract issue, less premium taxes by 1000 and multiplying result by an annuity factor. Subsequent purchase payments are not permitted for NQ and allowed during access period if 4Later Advantage Guaranteed Income Benefit or i4Life Advantage Guaranteed Income Benefit is not elected. Annuity factor is based upon - 1) age and sex of annuitant and secondary life, 2) length of Access Period elected, 3) frequency of regular income payments, 4) AIR elected and 5) Individual Annuity Mortality table specified in contract. Owner may elect this benefit only if contract value is or exceeds $50,000. Maximum issue age is 85 for QP.