6% Dollar for Dollar Guaranteed Minimum Income Benefit

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Benefit base is equal to purchase payments made during 3 year period from contract issue plus credit enhancement or bonus credits and reduced for withdrawals, accumulated at 6% (3% for amounts allocated to Rydex VT U.S. Government Money Market Subaccount) annually. In crediting interest, timing of Purchase Payment and withdrawal occurred and accrues such interest will be considered until earlier of - 1) annuitization, or 2) contract anniversary following annuitant's 80th birthday. Withdrawals will reduce benefit base by dollar amount if owner withdraws up to and equal to 5% of initial benefit base any excess withdrawal will reduce benefit base in same proportion. Owner may only elect from - 1) Life Income with A 10-Year Period Certain, or 2) joint and Last survivor with a 10-year period certain, annuity payment options upon election of this rider.