Guaranteed Minimum Income Benefit - Includes 6% Benefit Base

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Annuity payments equals greater of - 1) determined by Guaranteed Minimum Income Benefit or 2) in accordance with base contract for same annuity option. Benefit base is greater of - 1) 6% (4% for WA) Roll-up to Age 85 or 2) Annual Ratchet to Age 85. 6% (4% for WA) Roll-up to Age 85 equals - 1) initial purchase payment and any subsequent purchase payment made plus 2) daily roll-up adjusted for withdrawals, prior to owner's 86th birthday. Effective annual roll-up rate credited to benefit base is 6% (4% for WA) of variable account value (3% for some selected sub-accounts and fixed account value). Annual Ratchet to Age 85 equal to greater of - 1) total purchase payments or 2) highest contract value on any contract anniversary, prior to owner's 86th birthday adjusted for withdrawals added to any purchase payments made. If benefit is elected without The Greater of 6% (4% for WA)Roll-Up to Age 85 or Annual Ratchet to age 85 Enhanced Death Benefit, investment options will be limited to guaranteed interest option, special dollar cost averaging and permitted variable investment options and reset of benefit base will be limited to guaranteed interest option, special dollar cost averaging and permitted variable investment options. Owner may elect from 1) life annuity fixed payout option or 2) life with a period certain payout option or other forms of payout options available under this contract. Maximum period certain available under life with a period certain payout option is 10 years, this period may be shorter, depending on owner's age. Issuer offer lump sum payment option if owner has elected GMIB and no-lapse guarantee is in effect; or GMIB that converted to a GWBL. Owner will have at least 30 days from day account value falls to zero to elect this option. This payment option may not be available in all states.