Target Date Retirement Benefit

Benefit protects investments from unfavorable market performance. Benefit guarantees that, beginning on initial Target Value Date and on subsequent contract anniversary 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 seven contract years after addition of benefit, and latest available initial date is the contract anniversary before owner's 91st birthday.