Common use of Enhanced Death Benefit Clause in Contracts

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract less an adjustment for every withdrawal made under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will equal the greater of: . the Accumulation Value of the contract on that contract anniversary; or . the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where:

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract less an adjustment for every withdrawal made under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the greater of: . • the Accumulation Value of the contract on that contract anniversary; or . • the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's ’s 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where:

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract Contract less an adjustment for every withdrawal made under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the greater of: . • the Accumulation Value of the contract Contract on that contract anniversary; or . • the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's ’s 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where:

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract less an adjustment for every withdrawal made any amounts withdrawn under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will equal the greater of: . o the Accumulation Value of the contract on that contract anniversary; or . o the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made any amounts withdrawn under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made any amounts withdrawn under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where:.

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract less an adjustment for every withdrawal made under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the greater of: . • the Accumulation Value of the contract Contract on that contract anniversary; or . • the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's ’s 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where:

Enhanced Death Benefit. Prior to the first contract anniversary, the Enhanced Death Benefit will equal the total Purchase Payments paid under the contract Contract less an adjustment for every withdrawal made under Section 4.5. On the first contract anniversary and on each subsequent contract anniversary prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the greater of: . • the Accumulation Value of the contract Contract on that contract anniversary; or . • the Enhanced Death Benefit on the most recent Valuation Date prior to that contract anniversary. On any other Valuation Date prior to the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will be equal to the Enhanced Death Benefit on the most recent contract anniversary, increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made withdrawalmade under Section 4.5 since that contract anniversary. On any Valuation Date on or after the Primary Annuitant's ’s 80th birthday, the Enhanced Death Benefit will equal the Enhanced Death Benefit on the contract anniversary immediately prior to the Primary Annuitant's ’s 80th birthday increased by any Purchase Payments paid since that contract anniversary and decreased by an adjustment for every withdrawal made under Section 4.5 since that contract anniversary. The adjustment for each withdrawal made under Section 4.5 will be (a) times (b), where: