Investment Protector (04.16)

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. The guarantee percentage which is applied to the rider anniversary value to calculate the Target Value is 80%. On each rider year owner may not make subsequent purchase payments more than the initial amount without prior approval from Issuer. Subsequent purchase payments are not permitted after third rider anniversary. 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. Subsequent purchase payments are not permitted after third rider anniversary. Contract Value on at rider issue must be at least $10,000. Issuer imposes a minimum rider charge of 0.35% and cannot increase or decrease more than 0.35% in a twelve month period.