Beacon Data Entry

Identity

NAME *

INTERNAL CASE NAME

RIDER TYPE *

PRODUCT POLICY TYPE *

FORMULA

Benefit Base

BENEFIT BASE — GENERAL

Initial annual maximum Lifetime Plus Payment is based on the Benefit Base and Payment Percentage. Benefit Base is the greatest of - 1) Contract Value on the benefit date, 2) Quarterly Anniversary Value, or 3) Annual Increase. On or before the rider effective date, the benefit base is equal to the greater of the Quarterly Anniversary Value or the Annual Increase. On the benefit date, Benefit Base is increased to equals to the current contract value, if greater. Quarterly Anniversary Value - 1) On the Issue Date - is equal to the initial Purchase Payments, 2) On the Rider Effective Date - it is equal to the Contract Value. Annual Increase - 1) at issue is equal to the purchase payments adjusted for withdrawals plus a quarterly simple interest increase at 1.25% (annual 5%). 2) After issue equal to the contract value determined on the rider effective date adjusted for subsequent withdrawals and purchase payments plus a quarterly simple interest increase at 5%. Quarterly Anniversary Value and Annual Increase is calculated during the Accumulation Phase and before the earlier of the older Covered Person's 91st birthday or the Benefit Date and is increased by the additional Purchase Payments and decreased by the percentage of the Contract Value withdrawn. . Issue Date is the date contract year starts, Rider Effective Date is the date rider year starts and Benefit Date is the date the Lifetime Plus Payment starts.

BENEFIT BASE — WITHDRAWAL

Issuer may change annual maximum Lifetime Plus Payment on each Benefit Anniversary before the older Covered Person reaches age 91 as - 1) If annual maximum Lifetime Plus Payment has been taken during the last Benefit Year, next year's annual maximum payment will be increased if Contract Value at the end of the prior Business Day is greater than the Contract Value from one year ago (which is the end of the last Business Day before the prior Benefit Anniversary). This increase is equal to the percentage of growth between these two Contract Values, 2) if the current payment percentage multiplied by the Contract Value at the end of the prior Business Day results in a higher annual maximum Lifetime Plus Payment. Annual Lifetime Plus Payment increases are not available once the older Covered Person reaches age 91, or on or after the business day contract value reduces to zero. Once Lifetime Plus Payments begin, additional purchase payments, automatic investment plan, systematic withdrawal or dollar cost averaging programs and free withdrawal privilege are no longer available.

Applicability

State Availability

Exception

Not available in states

Income Protector

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