This rider forms a part of the Base Contract to which it is attached and is effective on the Issue Date shown on the Maximum Anniversary Value Death Benefit Contract Schedule. Defined terms and contractual provisions are set forth in the Base Contract or are added in this rider. This is a first-to-die rider that terminates as indicated under the Termination of this Rider section.

This rider references Advisory Fees. Please defer to your Base Contract to determine if references to Advisory Fees apply.

On each Business Day, any Additional Purchase Payments received, Partial Withdrawals taken, including any Withdrawal Charge, credits applied, and Contract Charges and Advisory Fees, if any, deducted.

•	the older Determining Life’s Maximum Anniversary Value Death Benefit Maximum Birthday shown on the Maximum Anniversary Value Death Benefit Contract Schedule.

The person(s) on whose life (lives) we base the Maximum Anniversary Value Death Benefit. We establish the Determining Life (Lives) on the Issue Date.

•	If the Base Contract is owned by a non-individual, the Determining Life is the Annuitant.

•	If the Base Contract is jointly owned and the Joint Owners are Spouses, the Determining Lives are the Joint Owners.

After the Issue Date, if a Determining Life (Lives) is no longer a Spouse of the Owner or Joint Owner, we will remove that person from this rider. If you add or change a Joint Owner, that person will become a Determining Life if they are the current Spouse of an existing Owner.

For jointly owned non-qualified contracts, if you establish a trust and change ownership to the trust, the prior Joint Owner who is not the Annuitant no longer qualifies as a Determining Life and we remove him or her as such from this rider.

The following is replacing the “Death Benefit” provision of the Base Contract. If this rider terminates, the original “Death Benefit” provision in the Base Contract applies.

The Maximum Anniversary Value on the Issue Date is equal to the initial Purchase Payment received on the Issue Date.

•	increase the Maximum Anniversary Value by the amount of any Additional Purchase Payments received that day, and

•	reduce the Maximum Anniversary Value proportionately by the percentage of Contract Value withdrawn that day as a Partial Withdrawal, including any Withdrawal Charge.

If the Index Effective Date occurs after the Issue Date, the Maximum Annviersary Value on the Index Effective Date is calculated in the same way as on the Index Anniversary.

On each Index Anniversary before the End Date, or on the next Business Day if the Index Anniversary is not on a Business Day, the Maximum Anniversary Value is equal to the greater of:

(a)	its current value after processing any Additional Purchase Payments or Partial Withdrawals; or

During the Accumulation Phase, if you (the Owner, or Annuitant if the Owner is a non-individual) are a Determining Life and you die, or if you die within 120 hours of a Determining Life (Lives), the Maximum Anniversary Value Death Benefit is equal to the greater of

(a)	The Contract Value minus any final Contract Charges except the Contract Maintenance Charge.

•	For a sole Beneficiary, we determine (b) at the end of the Business Day we receive a Valid Claim from the Beneficiary.

•

For multiple Beneficiaries, we determine (b) for each surviving Beneficiary’s portion of the Maximum Anniversary Value Death Benefit at the end of the Business Day we receive the first Valid Claim from any one Beneficiary. We determine (a) for each surviving Beneficiary’s portion of the Maximum Anniversary Value Death Benefit as of the end of the Business Day we receive the Beneficiary’s Valid Claim.

However, if you (the Owner, or Annuitant if the Owner is a non-individual) and the Determining Life (Lives) are different individuals:

•

If any Determining Life dies before you, we compare (a) and (b) determined at the end of the Business Day we receive due proof of a Determining Life’s death. If (a) is less than (b), we increase (a) to equal (b). The difference between (a) and (b) will be placed in the Interim Fund(s). On the next Index Anniversary, we then allocate the Variable Account Value in the Interim Fund(s), among your selected Index Options according to your allocation instructions.

•	If you die before a Determining Life, the Maximum Anniversary Value Death Benefit is unavailable and instead your Beneficiary(s) will receive the Death Benefit described in the Base Contract.

Any part of the Death Benefit that is in the subaccounts remains there until distributed. The following is added to the “Continuation of Contract by the Surviving Spouse” provision.

If at the end of the Business Day that the contract continues, (b) is greater than (a), the difference between (b) and (a) will be placed in the Interim Fund(s). On the next Index Anniversary, we then allocate the Contract Value in the Interim Fund(s), among the selected Index Options according to your allocation instructions.

The following is added to the “Assignment of this Contract” and “Change of Ownership” provisions of the Base Contract.

An assignment does not change any Determining Life, except as described under the definition of “Determining Life (Lives)”.

A change of ownership does not change any Determining Life, except as described under the definition of “Determining Life (Lives)”.

The following is added to the “Misstatement of Age or Gender” provision of the Base Contract.

Before Annuity Payments begin, if there is a misstatement of the Age of any Owner or Annuitant and this rider was issued after the Rider Maximum Issue Age, we will void this rider and issue any riders that would have been issued had this rider not been selected. The Rider Maximum Issue Age is shown on the Maximum Anniversary Value Death Benefit Contract Schedule.

The Rider Fee for this rider is shown on the Maximum Anniversary Value Death Benefit Contract Schedule. The Rider Fee is assessed and deducted in the same manner as the Product Fee described in the Base Contract. The Rider Fee applies even if your Contract does not have a Product Fee.

•	we receive the first Valid Claim from any one Beneficiary, or due proof of a Determining Life’s death, if you and the Determining Life are different individuals and the Determining Life predeceases you.

•	Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries, if the Determining Life is the Owner (or Annuitant if the Owner is a non-individual) or if the Determining Life dies simultaneously with the Owner.

•	Upon the death of a Determining Life, the end of the Business Day we receive an Authorized Request of due proof of the Determining Life’s death, if the Determining Life is no longer an Owner (or Annuitant if the Owner is a non-individual).

•	Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner is no longer a Determining Life.

In all other respects the provisions, conditions, exceptions and limitations contained in the Base Contract remain unchanged. Signed for the Company at its home office.

To obtain information, make an inquiry, or for assistance with a complaint, please call our toll-free number at [1-800-624-0197].