Investment Protector (01.12)

Benefit protects investments from unfavorable market performance. Benefit guarantees that, on each Target Value Date until benefit terminates, contract value will at least be equal to the Target Value. The Target Value is highest contract value on any contract anniversary, adjusted for subsequent purchase payments and withdrawals. Earliest available initial Target Value Date is tenth rider anniversary, subsequent Target Value Dates occur on every fifth rider anniversary after the initial Target Value Date and latest available date is the contract anniversary before owner's 91st birthday. In any twelve-month period Issuer cannot increase or decrease the rider charge more than 0.35%. Contract value on at rider issue must be at least $10,000 (or $25,000 if No Withdrawal Charge Option is elected). If No Withdrawal Charge Option or Quarterly Value Death Benefit is elected owner must also select Income Focus, Income Protector or Investment Protector at issue. Subsequent purchase payments are not permitted after third rider anniversary.