Lifetime GRIPplus Benefit

This rider will provide a lifetime withdrawal.,Issuer provides enhanced benefit after age 65, the benefit amount will be doubled for one contract year provided the following conditions are satisfied: (1) the contract year begins on or after the benefit start date; (2) if the insured is living, the contract year begins on or after the date that the insured has reached age 65; (3) if a spousal benefit is in effect and the spouse is living, the contract year begins after the date that the spouse has reached age 65; (5) owner has not already taken the enhanced benefit; and (6) the rider has not terminated.

The reset date is: (1) rider effective date; (2) contract anniversary on which owner elects to reset the benefit base amount; (3) any date before the benefit start date on which ownership of the contract is transferred to the spouse of the insured if a spousal benefit is not in effect and account value is less than the benefit base amount; and (4) any date before the benefit start date that would have been the death benefit valuation date if a spousal benefit is not in effect and the spouse of the insured becomes the successor owner of the contract.