4LATER Advantage

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Benefit base depends on when benefit is added to contract; if benefit is added at contract issue, benefit base equals initial purchase payments, if benefit is added after contract issue, benefit base equals contract value on effective date; increased by purchase payments made. Additional purchase payments will not be allowed if contract value is zero. Issuer will increase benefit base by 15% at end of waiting period. After initial waiting period, owner may elect to reset benefit base to current contract value if contract value has grown beyond 15% enhancement. If 4LATER Advantage is elected, i4LIFE with 4LATER Guaranteed Income Benefit must be elected to receive benefit from 4LATER Advantage. Maximum Income Base is equal to 200% of benefit base on 4LATER effective date. Maximum Income Base will be increased by 200% of additional purchase payments. Benefit base can never be more than $10,000,000.