4LATER Advantage

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Benefit base depends on when benefit is added to contract; if benefit is added at contract issue, benefit base equals initial purchase payments, if benefit is added after contract issue, benefit base equals contract value on effective date; increased by purchase payments made. Issuer will establish Access Period (minimum 15 years or age 85 whichever is longer) of 4LATER Advantage. Additional purchase payments will not be allowed if contract value is zero. Issuer will increase benefit base by 15% at end of waiting period. This enhancement continues every 3 years until i4LIFE is elected, 4LATER is terminated, or the Maximum Income Base is reached. During each Waiting Period, a Future Income Base reflects the upcoming 15% increase. Once the period ends, the Income Base adjusts to match the Future Income Base, and the same percentage charge is applied to the new amount. After initial waiting period, owner may elect to reset benefit base to current contract value if contract value has grown beyond 15% enhancement. If 4LATER Advantage is elected, i4LIFE with 4LATER Guaranteed Income Benefit must be elected to receive benefit from 4LATER Advantage. Benefit base can never be more than $10,000,000. At purchase, the Income Base equals the gross purchase payment; if the 4LATER rider is elected after issue, the Income Base equals the contract value on the rider's effective date. Maximum Income Base will be increased by 200% of additional purchase payments.