Lifetime Withdrawal Guarantee II Benefit

The rider provides return of principal if first withdrawal taken prior to owner's age 59 1/2, else Issuer will continue to pay the Annual Benefit Payment each year until the owner's death.,If the owner or joint owner should die while the LWG II rider is in effect, an alternate death benefit amount will be calculated under the rider that can be taken in a lump sum. If rider is cancelled on the fifteenth contract anniversary or any contract anniversary thereafter, a Guaranteed Principal Adjustment will be added to account value. The Guaranteed Principal Adjustment is intended to restore initial investment in the contract in the case of poor investment performance. The Guaranteed Principal Adjustment is equal to (a) purchase payments credited within 120 days of the date contract is issued, reduced proportionately by the percentage reduction in account value attributable to any partial withdrawals taken minus (b) account value on the date of cancellation. The Guaranteed Principal Adjustment will be added to each applicable investment portfolio in the ratio the portion of the account value in such investment portfolio bears to the total account value in all investment portfolios and will never be less than zero.